Let's face it. We all want to save money, especially on a continuing expense such as our homeowner's insurance. Here in California we need to insure our property against all sorts of threats, everything from brush fires to earthquakes, but the cost of home protection is getting higher and higher all the time. The good news is there are literally dozens of things you can do to save 30% or more on the cost of your home policy each and every month - and most of the things you can do are so simple you'll kick yourself for having waited so long.
Are you paying for more protection than you need? Many homeowners make the mistake of grabbing their tax bill to determine how much home protection they need to buy. The problem with that is that many times they accidently include the cost of the land under their home when determining how much insurance they need to purchase.
Remember, you need to cover the cost of rebuilding your home and the cost of replacing the contents of your home - but you don't need to include the cost of the land under your home.
You can save a cool $100 a year or so simply by paying your premium automatically each month out of your savings or checking account. If your company doesn't have to send you an expensive bill in the mail each month they pass a portion of that savings on to you.
If you have a retired person living in your home let your agent know. Insurers like the idea of someone in the home most of the day who can spot fires and other potential disasters before they become claims.
You can also save money every month by taking anti-burglar precautions such as adding floodlights that are motion-triggered, trimming bushes away from all windows, adding locks to all windows and making sure every door has a deadbolt.
Many homeowners routinely take the standard $500 deductible on their policy and never give it a second thought. But did you know that if you double that deduction to $1,000 you can save as much as 25% in some cases on your premium month after month and year after year?
And here's the biggest secret to finding cheap high risk homeowner's insurance in California - buy your policy online!
It's true. Online dealers have almost no overhead and they have tons of competition, the perfect recipe for instant and tremendous savings for you! In fact, most homeowners can save 25% or even more on the cost of their home protection simply by spending a few minutes comparing the prices of home policies online.
The savings are incredible and the time it takes to find the very best deal in California is minimal when you do the smart thing and shop for your policy online. So what are you waiting for?