Sometimes it seems as if nothing in California is cheap any more. But the truth is that you can still find cheap home insurance companies if you know where to look. In fact, finding a cheap home protection policy has never been easier.
Before we discuss the major way for you to save at least 20% (and possibly more!) on your homeowner's policy let's look at a few of the simple things you can do which can add even more to that savings.
Did you know that you can save around $100 each and every year if you simply set up a plan that pays your premium automatically each month out of your checking or savings account?
Did you know that having a retied person living in your home also saves you money? Insurers like the idea of a mature person in the home most of the time because they can spot fires, water leaks and other potential problems before they develop into a full blown disaster.
Did you know that making your home less attractive to potential burglars can also save you money? Simply add motion-sensitive floodlights around your property, trim bushes away from windows, add deadbolts to every exterior door and make sure that every single window has a working lock. Then let your agent know what you've done.
Similarly, making your home less susceptible to costly accidents can also save you a bundle. Replace uneven cement, fill in potholes, replace worn floorboard on porches and decks, reinforce porch and deck railings and add motion-detecting lighting - and then let your agent know about the work you've done.
Increasing your deductible from the standard $500 to $1,000 can save you as much as 25% on the cost of your policy. And that's a savings that you realize each and every month for years and years. If you don't normally file a lot of small claims against your policy this savings can be a real eye-opener!
But do you want to know what the number one way for saving money on virtually any homeowner's policy is? It's simply to make price comparisons and do your shopping online.
That's right. In this day and age you would have to be a fool not to take advantage of the wholesale price for home protection that you routinely find online. Online dealers are highly motivated to give you savings of 20% all the way up to 30% for the exact same policy that you find elsewhere.
And shopping for a home policy is so easy when you compare prices online!