Cheaper Homeowner Insurance -- How Risk-Proof?

You can make your home almost disaster proof thereby lowering your risk and, consequently, your homeowner insurance rates. Apart from making sure that you have everything in place to protect against fire and burglary, the following are recommended for different locations...

a. If you reside in a locality that is very susceptible to high winds, you'll save more by fitting storm shutters.

b. People who live in areas that experience high winds will will be better protected if they use heavy roofing material. This in turn helps lower their rates.

c. Retrofitting your house for earthquake protection.

d. For folks who have trees on their compounds, you will save yourself in homeowners' insurance premium if you ensure that you cut off every dead or dry branch because these can easily lead to liability claims.

e. Make sure you do not have tree branches with limbs above your roof or very close to your building. You'll run a higher risk of a branch falling off and damaging your roof. Depending on the type of roofing material you use, this could as well reduce its durability.

Ask your home owner insurance agent for other things you should do if you intend to bring down your home's risk.

Compare what applying each would cost and how much it will bring down your rate. Implement those that justify your expenses and you will get cheaper rates.

One more thing...

You could save several hundreds of dollars by just getting and evaluating quotes from about five insurance quotes sites. And, it will require only about 25 minutes on the whole.

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