Cheap Home Insurance: How Disaster-Proof?

The more you fortify your home to be less susceptible to perils the lower your rates will be. Apart from ensuring you have everything in place to prevent fire and burglary, the following will help for various areas...

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

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

c. Retrofitting your home for earthquake protection.

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

e. It is also recommended that you ensure no trees come to your structure. This is because tree branches over or close to structures could easily result in extensive damage if they fall off for any reason. Depending on your roofing material, this could also lower its lifespan.

If you're interested in more ways to make your home more disaster-proof, consult your agent.

Compare what implementing each would cost and how much it will reduce your rate. Implement those that are cost-effective and you will attract cheaper rates.

Don't miss this...

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

However, if you want the best value to price ratio then you would have to check the details of the lowest quotes. Different insurers may have adjustments for similar policies. It's important that you ask the agent what's included and what's excluded.

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