Cheap Homeowner Insurance: How Disaster-Proof?

You can make your house almost disaster proof thereby lowering your risk and, as a result, your homeowners' insurance rates. Apart from ensuring you have everything in place to protect against fire and burglary, the following are recommended for different locations...

a. Storm shutters will afford your home superior protection from wind damage.

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

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

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 do not have tree branches over your roof or near your structures. You'll run a higher risk of a branch falling off and damaging your roof. Furthermore, having these over your roof could greatly reduce its lifespan depending on the material employed.

If you're interested in more ways to make your home really disaster-proof, discuss with your agent.

Compare what implementing each would cost and how much it will lower your rate. Use those that justify your expenses and you will get cheaper rates.

And don't forget...

You can save much by visiting a minimum of five quotes sites. That way, you'll increase your chances of getting the lowest quotes possible because five sites will return up to 25 quotes altogether.

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