Cheap Homeowners Insurance -- How Disaster-Proof?

You lower your homeowners insurance rate by enforcing measures that will make your home more disaster-proof. Apart from making sure that you have all in place to prevent fire and burglary, the following are recommended for different areas...

a. If you reside in an area that's very susceptible to wind damage, you'll save more by fitting storm shutters.

b. Those who live in areas that experience high winds will make their home more secured if they use heavy roofing material. This in turn helps lower their rates.

c. If your area is prone to earthquakes, make sure you retrofit you home.

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

e. It is also advisable that you ensure no trees come to your building. You'll run a higher risk of a branch falling off and destroying your roof. Moreover, having these over your roof could greatly lower its lifespan depending on the material used.

If want other ways to make your home really disaster-proof, discuss with your agent.

Compare what implementing each would cost and by what factor it will lower your rate. You will spend far less on home insurance if you work with these.

Don't miss this...

The most important step to huge savings in homeowners insurance is comparison shopping -- Given that you do it well. You can get quotes that will have a difference in excess of $1,000. You could quickly save so much by simply choosing the lowest quote. That should apply if you're just after the lowest price.

Nevertheless, if you're after the best value to price ratio then you'd have to look at the details of the cheapest quotes. Different insurance companies may have slight differences for similar policies. It's a good idea to ask the agent what's included and what's excluded.

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