Cheapest Homeowner Insurance: Make It Peril-Proof

You can make your house almost disaster proof thereby reducing your risk and, consequently, your homeowners insurance rates. Apart from making sure that you have all in place to protect against fire and burglary, the following will help for different locations...

a. You will enjoy superior protection from wind damage if you fit a storm shutter.

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

c. If you live in a state where earthquakes are likely, you will get a discount if your home is retrofitted against earthquakes.

d. Dry limbs on trees could easily cause injuries that will lead to liability claims. Therefore, ensure that you cut off all dry or dead limbs on trees on your property.

e. Ensure that you don't have tree branches over your roof or near your structures. You will run a higher risk of a branch falling off and destroying your roof. Depending on the type of roofing material you use, this could as well reduce its durability.

Your agent will tell you other things that you can do to make your home a better risk to your insurer.

Compare what implementing each would cost and how much it will reduce your rate. You will spend far less on home owners insurance if you implement these.

On a closing note...

You will save a lot if you only have between 25-30 minutes. Visit, receive and compare homeowners insurance quotes from various quotes sites. The lowest quote should be what you pick easily.

Nevertheless, you have to look beyond just the cheapest price to the best price to value ratio. The lowest priced may not offer the best price/value for you as a person.

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