Cheapest Homeowners' Insurance -- Make It Disaster-Proof

You lower your home insurance premium by taking steps that will make your home more disaster-proof. The following are also recommended after taking measures against fire and burglary depending on your locality...

a. You will get better protection from wind damage if you fit a storm shutter.

b. Those who live in locations that experience high winds will will be better protected if they use heavy roofing material. This in turn helps reduce their rates.

c. Retrofitting your house for earthquake protection.

d. Cutting off dry limbs on trees on your property will lower the probability of a branch falling off and causing injury and/or damage.

e. You will also do well if you plant your trees at a safe distance from your house for many reasons. This is because tree branches over or close to buildings could easily result in extensive damage if they fall off for any reason. Depending on your roofing material, this could also lower its lifespan.

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

Also discover the cost-effectiveness of each suggestion you receive. Apply those that justify your expenses and you will attract better rates.

And don't forget...

Make out some time to visit a minimum of five insurance quotes sites that provide quotes on home owners insurance policies. This will require around 25 minutes.

As you visit each site, make sure you input the same information. Doing otherwise will produce misleading results. When you've obtained your homeowners' insurance quotes, compare them to see which serves your interest best both in price and value.

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