Cheaper Home Owners Insurance -- How Disaster-Proof?

You reduce your home owners insurance rate by taking steps that will make your house more disaster-proof. You can do this by taking all the inevitable precautions against fire and burglary as well as the following depending on where you reside...

a. If you reside in a locality that is so susceptible to high winds, you will save much by fitting storm shutters.

b. Using a heavier roofing material will reduce your risk factor thereby helping you get more savings on your homeowner insurance premiums if you live in a windy area.

c. If your area is prone to earthquakes, ensure that you retrofit you home.

d. Dry limbs on trees could easily cause damages. Therefore, ensure that you cut off all dry or dead limbs on trees on your property.

e. It is also recommended that you ensure no trees come to your building. You will 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 lifespan.

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

Moreover discover the cost-effectiveness of each recommendation you get. Apply those that justify your expenses and you will attract lower rates.

And don't forget...

You might save some hundreds of dollars by simply receiving and comparing quotes from at least five insurance quotes sites. And, it will take you just a total of 25 minutes.

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