Affordable Homeowners Insurance: Make It Peril-Proof

The more you fortify your home to be less susceptible to perils the more affordable your rates will be. The following are also recommended after taking measures against fire and burglary depending on your locality...

a. You will enjoy superior protection from wind damage if you fit a storm shutter.

b. Using a heavier roofing material will reduce your risk factor thereby helping you get more savings on your home owner insurance rates if you reside in a windy area.

c. If you live in a state where earthquakes are likely, you will save if your home is retrofitted against earthquakes.

d. Dry limbs on trees could easily cause injuries that will lead to liability claims. So ensure that you cut off all dry or dead limbs on trees on your property.

e. Make sure you don't have tree branches with limbs above your roof or very close to your building. You will run a bigger risk of a branch falling off and destroying your roof. Depending on your roofing material, this could as well lower its durability.

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

Compare what implementing each would cost and how much it will bring down your rate. Apply those that are cost-effective and you will get better rates.

On a closing note...

Take out some time to visit at least five insurance quotes sites that offer quotes on homeowners insurance policies. Doing this will take you not more than 25 minutes.

As you visit each site, ensure you give the same information. Doing otherwise will give you misleading results. When you've obtained your home insurance quotes, compare them to see which serves your interest best in price/value.

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