Friday, September 18, 2009

Cheaper Home Owner Insurance: Make Yours Disaster-Proof


The more you fortify your home to withstand disasters the lower your rates will be. You can make this happen by taking all the necessary precautions against fire and burglary as well as the following depending on where you reside...

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 allowing you get more savings on your home insurance rates if you live in a windy area.

c. Retrofitting your house for earthquake protection.

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

e. You'll also do well if you keep your trees at a safe distance from your building for many reasons. A tree can aid burglars and their branches can also fall off and damage part of your building. Moreover, having these over your roof could greatly lower its lifespan depending on the material employed.

Ask your home owners insurance agent for other things you should do if you want to bring down your home's risk.

Compare what implementing each would cost and how much it will lower your rate. You'll spend far less for homeowners insurance if you work with these.

One more thing...

The most important key to considerable savings in home insurance is comparison shopping -- That's if you do it right. You can get quotes that will have a difference in excess of $1,000. You could quickly save so much by simply going with the lowest quote. That should apply if you're simply after the lowest price.

Nevertheless, if you want the best value to price ratio then you'd have to check the details of the lowest offers. Different insurers may have different exclusions for similar policies. It's a good idea to ask the agent what's part of the deal and what's not.

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