Cheap Homeowners' Insurance: Make It Risk-Proof

You can make your home almost disaster proof thereby reducing your risk and, consequently, your home owners insurance premium. The following are also recommended after taking measures against fire and burglary depending on area...

a. You will get better 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 homeowners' insurance premiums if you reside in a windy area.

c. If you live in a state where earthquakes are likely, you'll get a discount if your house 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. You will also do well if you keep your trees at a safe distance from your house for many reasons. You will run a higher risk of a branch falling off and destroying your roof. Depending on your roofing material, this could as well lower its lifespan.

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

Furthermore find out the cost-effectiveness of each advice you get. You will pay far less on home owners insurance if you implement these.

On a closing note...

You could save some hundreds of dollars by simply receiving and evaluating quotes from at least five quotes sites. And, it will take you only about 25 minutes on the whole.

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