Cheaper Homeowners' Insurance: Make It Risk-Proof

You can make your home almost disaster proof thereby reducing your risk and, consequently, your homeowners' insurance rates. Apart from ensuring you have all in place to protect against fire and burglary, the following are recommended for various areas...

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

b. You will also be better off in windy areas with a heavier roofing material.

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

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

e. You will also do well if you keep your trees at a safe distance from your building for many reasons. This is because tree limbs over or close to structures could easily cause extensive damage if they fall off for any reason. Depending on the type of roofing material you use, this could also reduce its durability.

If want more ways to make your home really disaster-proof, consult your agent.

Compare what applying each would cost and by what factor it will lower your rate. Implement those that justify your expenses and you will attract more affordable rates.

Finally...

You can lower your home owners insurance costs by obtaining and evaluating quotes from at least five good quotes sites.

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