Cheaper Home Owner Insurance -- How Disaster-Proof?

You lower your home owners insurance premium by taking steps that will make your house more disaster-proof. You can make this happen by taking all the necessary steps against fire and burglary as well as the following depending on where you reside...

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

b. Using a heavier roofing material will reduce your risk factor thereby making you get more savings on your home owners insurance premiums 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 for earthquake protection.

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

e. It is also recommended that you ensure no trees come to your building. This is because tree branches over or close to structures could easily result in extensive damage if they fall off for any reason. It could also reduce the durability of your roof depending on the material you use.

Your agent will help you with other things that you can do to make your home a better risk to your insurance company.

Compare what implementing each would cost and by what factor it will reduce your rate. Applying these tips will help you lower your home owners insurance premium.

Finally...

You can bring down your home owner insurance premium by asking for and comparing quotes from at least five good quotes sites.

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