Insurance California Homeowners Insurance - How to Get the Best Quote
Homeowners Insurance Coverage
Homeowners insurance provides coverage for damage to your home and your personal property caused by fire, lightning, theft, water damage, vandalism, and burglary. It also protects you and your family against liability lawsuits.
Go Shopping
The difference between one insurance company's policy and another's can be $1,000 or more, so it pays to shop for rates. There are websites where you can go to get quotes from a number of different companies. Some of these sites even have a chat feature where you can get advice from an insurance expert (see link below).
Raise Your Deductible
The deductible is the amount you have to pay on a claim before your insurance kicks in. Raising your deductible from $250 to $1,000 can save you 24% or more on your insurance. This not only decreases your premium, it also decreases you chances of being dropped by your insurance company for filing too many claims.
Combine Your Insurance
Purchasing your homeowners and auto insurance through the same company will save you as much as 15% on your premium. This also gives you the benefit of only having to pay one bill and deal with one insurance company.
Get Discounts
Most insurance companies will give you a discount on your premium for the following:
* Safety systems - fire alarms and sprinkler systems. * Security systems - burglar alarms, security lights, dead bolt locks. * Senior discount - If you're a retired senior some companies will give you 10% discount.
Check Them Out
Getting the best price for your homewowners insurance doesn't mean you're getting the best deal. You should check out the company you choose with your state's department of insurance to make sure it's a reputable company and will pay your claims.
Visit http://www.LowerRateQuotes.com/homeowners-insurance.html or click on the following link to get California homeowners insurance quotes from top-rated companies in your area and see how much you can save. You can get more homeowners insurance tips by checking out their "Articles" section.
The author, Brian Stevens, is a former insurance agent and financial consultant who has written extensively on California homeowners insurance.
Related Tags: insurance, california, homeowners
Your Article Search Directory : Find in Articles
Recent articles in this category:
- Motor Trade Rundown
It is not just cars that must be insured on British roads, every type of motor vehicle is required b - Claiming Compensation For Defective Products
Compensation claims for injury and damage caused by faulty, defective products normally target eithe - Ideas To Uncover Affordable Rate Auto Coverage
These days, everyone is looking for ways to lower expenses. Certain costs like home and car insuranc - Should It Be Illegal For People To Drive Without Vehicle Insurance?
There are many drivers on the road who drive un-roadworthy vehicles. The worst part is not that they - Do You Need Static Caravan Insurance?
Static caravan insurance is an automobile insurance that deals with vehicles that are used while on - Insurance - Tool For Personal Finance Planning
Financial planning is must for every individual. When we start saving money for our goals, there is - Family Life Insurance Policy For The Families Staying In Dubai
The main motive of insurance policy is to give financial security to the person's family especially - Buying Temporary Health Insurance In Florida
You are the resident of Florida? You are between jobs and therefore are not looking for a long term - Car Insurance Is Of The Utmost Importance In Today's Lifestyle
In today's hectic lifestyle we are always rushing to get from one place to another, whether it be ru - Health Insurance Companies Are Using New Laws As An Excuse To Raise Their Rates
Government officials are cautioning insurance companies to stop utilizing scare tactics to steam up
Most viewed articles in this category:
- International Health Insurance: Insure Yourself While in Go
We all will agree that whether we are living in our home country or abroad, our health needs constan - It's Never Too Early to Buy a Long Term Care Health Insurance!
Most people delay buying a long term care health insurance because they think that it is too early t - Home Owner Insurance Quote: Stay Safe!
Your house will not be fully secured until and unless you have a home owner insurance policy. A home - The Benefits of Health Insurance Are Immense!
Almost everyone in this world has fallen ill sometime or the other. Apart from illness, many people - What Happens When You Make An Insurance Claim?
If you've never filed a loss claim before, you might feel nervous and confused about the whole proce - Pet Health Care Insurance: Show your Pets That you Care!
Having a pet in one's household is a joyful experience. It can provide you with entertainment, compa - Three Ways to Buy Long Term Care Without Paying Premiums Out of your Pocket
Stop 100 people over 65 on the street and ask them if they will ever need to go to a nursing home an - Protect That Bauble: Engagement Ring Insurance
Engagement ring insurance can protect your bauble in case a worst case scenario happens...So you've - Do I Need Diamond Ring Insurance
If you have to ask whether or not you need diamond ring insurance you probably do. There's somethin - Choosing a Benefits TPA
The use of third-party administrators (TPAs) is one of the hottest trends in insurance today. Accor