Affordable Home Insurance -- How Risk-Proof?

You lower your home owners insurance premium by enforcing measures that will make your home more disaster-proof. Apart from ensuring you have everything in place to protect against fire and burglary, the following are recommended for various areas...

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 lower their rates.

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

d. Dry limbs on trees could easily cause a lot of liability issues. So make sure you cut off all dry or dead limbs on trees on your property.

e. Make sure you don't have tree branches with limbs above your roof or very close to your structures. A tree can aid burglars and their branches can also fall off and destroy part of your house. It could also lower the lifespan of your roof depending on the material you use.

If you're interested in other ways to make your home really disaster-proof, consult your agent.

Also discover the cost-effectiveness of each recommendation you get. You will spend far less on homeowners insurance if you work with these.

Finally...

You will save much money in home insurance if you get and compare home owner insurance quotes from insurance quotes sites. You'll make savings if you visit only one of such sites. But, you'll get better results by using at least five.

The plain logic in this is that you'll obtain a greater number of homeowners insurance quotes from a wider range of insurers. This increases your chances of getting better offers.

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