Affordable Home Owners Insurance -- Make Yours Disaster-Proof

You can make your house almost disaster proof thereby reducing your risk and, as a result, your homeowners' insurance premium. You can make this happen by taking all the necessary precautions against fire and burglary as well as the following depending on where you live...

a. If you reside in a locality that is so prone to wind damage, you will save much by fitting storm shutters.

b. Using a heavier roofing material will reduce your risk factor thereby making you get more savings on your homeowners' insurance rates if you live in a windy area.

c. Retrofitting your house for earthquake protection.

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

e. Ensure that you don't have tree branches over your roof or very close to your structures. You will run a bigger risk of a branch falling off and destroying your roof. It could also lower the durability of your roof depending on the material it is made of.

Ask your home owner insurance agent for other things you could do if you intend to reduce your home's risk.

Compare what applying each would cost and by what factor it will reduce your rate. Apply those that are cost-effective and you will attract cheaper rates.

On a closing note...

You will save a lot if you really have between 25-30 minutes. Visit, receive and compare home owner insurance quotes from several insurance quotes sites. The cheapest quote should be your choice easily.

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

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