Cheap Home Owner Insurance -- How Disaster-Proof Is Your Home?

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

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

b. Using a heavier roofing material will make your home more insurance friendly thereby making you get more savings on your home insurance rates if you reside in a windy area.

c. If you live in a state where earthquakes are a threat, you will get a discount if your house is retrofitted against earthquakes.

d. Make the exterior of your home fire-safe and you will bring down your home insurance rate. Do you have things that could easily help combustion close to your house? They will make you pay more. As simple as it looks, cutting back bushes and keeping them up to 10 feet from your building will help lower your rates. Fire-safety is a strong factor that determines what you pay as premiums.

e. Dry limbs on trees could easily cause damages. So make sure you cut off all dry or dead limbs on trees on your property.

f. It is also advisable that you ensure no trees come to your structure. This is because tree limbs over or close to structures could easily result in extensive damage if they fall off for any reason. Depending on your roofing material, this could as well reduce its lifespan.

g. Dead-bolt locks on all your exterior doors will help you attract a cheaper rate. It's more difficult for thieves to break into homes that have such locks. The more fortified your home is against burglary, the better the risk taken in insuring it.

h. Install special fire and security systems that alert fire stations, police stations or other monitoring centers. Apart from the peace of mind you will have in knowing your house is under constant surveillance by competent professionals, you'll get lower home insurance rates. Although the discount this will get you will differ from one insurance company to another, you can expect to bring down your home insurance premium by as much as 25%.

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

It's also important to check if the discount you will receive justifies the cost of applying the recommendations. You will spend far less for homeowners insurance if you implement these.
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