Cheap Homeowners' Insurance: How Disaster-Proof?

You reduce your home owners insurance rate by taking steps that will make your house more disaster-proof. You can do this by taking all the inevitable precautions against fire and burglary as well as the following depending on where you reside...

a. If you reside in a locality that is so susceptible to high winds, you will save much by fitting storm shutters.

b. Using a heavier roofing material will reduce your risk factor thereby helping you get more savings on your homeowner insurance premiums if you live in a windy area.

c. If your area is prone to earthquakes, ensure that you retrofit you home.

d. Dry limbs on trees could easily cause a lot of liability issues. Therefore, make sure you cut off all dry or dead limbs on trees on your property.

e. You will also do well if you plant your trees at a safe distance from your house for many reasons. This is because tree limbs over or close to buildings could easily cause extensive damage if they fall off for any reason. Furthermore, having these over your roof could greatly lower its lifespan depending on the material involved.

If you're interested in other ways to make your home really disaster-proof, discuss with your agent.

It is also important to check if the discount you'll get justifies the cost of implementing the recommendations. You'll pay far less for homeowners insurance if you work with these.

On a closing note...

You will save a lot if you can shop around and do proper comparison. The range of quotes presented for a request could be as wide as $1,000 for a given person. Although this is a good thing, it's important that you don't get carried away. It's not normally that easy if you want the best price to value ratio.

The lowest quote may not give you the best price/value. Although each of the quotes returned will definitely give you the same main coverage, there could be a lot of differences in the details of coverage. This makes it imperative that you find out if there aren't any exclusions that won't serve your best interest.

Don't forget to treat these no-obligation quotes as their name implies. Don't feel you have to pay unless you've had all your questions answered to your satisfaction. You will saved from rude surprises down the road if you do this.

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