Cheaper Home Owners Insurance -- How Peril-Proof?

You can make your house almost disaster proof thereby reducing your risk and, consequently, your homeowners insurance premium. Apart from making sure that you have everything in place to prevent fire and burglary, the following are recommended for different areas...

a. If you live in a locality that is very prone to wind damage, you will make considerable savings by having storm shutters.

b. You'll also be better off in windy areas if you use heavier roofing material.

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

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

e. You'll also do well if you plant your trees at a safe distance from your house for obvious reasons. This is because tree branches over or close to structures could easily cause extensive damage if they fall off for any reason. It could also reduce the durability of your roof depending on the material you use.

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

Compare what implementing each would cost and how much it will bring down your rate. Implementing these steps will help you lower your home owners insurance rate.

And don't forget...

You can get cheaper rates on home insurance now by visiting a minimum of five quotes sites. Each site will require around 5 minutes or less to obtain quotes. (Some folks give details that is not quite correct about themselves. That isn't a smart move since the quotes you'll get this way will NOT be of any use to you).

You'll simply choose lowest homeowner insurance quote for you from the list of quotes received. It's as simple as that. However, you could get savings hundreds of dollars.

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