Affordable Homeowners Insurance -- How Disaster-Proof?

You lower your home insurance premium by enforcing measures that will make your home more disaster-proof. Apart from making sure that you have all in place to prevent fire and burglary, the following will help for different locations...

a. Storm shutters will afford your home superior protection from wind damage.

b. Using a heavier roofing material will make your home more insurance friendly thereby helping you get more savings on your home owner insurance premiums if you live in a windy area.

c. If you reside in a state where earthquakes are likely, you will get a discount if your house is retrofitted for earthquake protection.

d. Cutting off dry branches on trees on your property will reduce the probability of a branch falling off and causing injury and/or damage.

e. It is also recommended that you ensure no trees come to your building. You'll run a higher risk of a branch falling off and destroying your roof. Depending on your roofing material, this could as well lower its lifespan.

Ask your home owner insurance agent for other things you should do if you want to lower your home's risk.

Compare what applying each would cost and by what factor it will reduce your rate. Applying these tips will help you lower your home insurance rate.

And don't forget...

You can lower your homeowners insurance rates by obtaining and comparing quotes from at least five good insurance quotes sites.

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