Cheap Home Owner Insurance -- How Risk-Proof?

The more you fortify your home to be less susceptible to perils the lower your rates will be. You can do this by taking all the necessary steps against fire and burglary in addition to the following depending on where you reside...

a. You will get better protection from wind damage with a storm shutter.

b. Using a heavier roofing material will make your home more insurance friendly thereby helping you get more savings on your homeowners insurance premiums if you live in a windy area.

c. If earthquakes disturb your area, ensure that you retrofit you home.

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

e. It is also recommended that you do not have trees to your building. This is because tree limbs over or close to structures could easily result in extensive damage if they fall off for any reason. In addition, having these over your roof could seriously reduce its lifespan depending on the material used.

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

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

And don't forget...

You will save much if you really have between 25-30 minutes. Visit, obtain and compare home owners insurance quotes from selected insurance quotes sites. The cheapest quote should be what you pick easily.

But, you have to go beyond just the cheapest price to the best price to value ratio. The cheapest may not offer the best price/value for you as a person.

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