Cheaper Home Owners Insurance: Make It Disaster-Proof

You lower your homeowners insurance premium by enforcing measures that will make your house more disaster-proof. The following are necessary after taking steps against fire and burglary depending on were you reside...

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

b. Using a heavier roofing material will reduce your risk factor thereby making you get more savings on your home owner insurance premiums if you reside in a windy area.

c. Retrofitting your house for earthquake protection.

d. Cutting off dry limbs 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 do not have trees to your building. You'll run a higher risk of a branch falling off and destroying your roof. In addition, having these over your roof could seriously reduce its lifespan depending on the material used.

Ask your homeowners insurance agent for other things you should do if you want to reduce your home's risk.

It is also important to check if the discount you'll get justifies the cost of implementing the recommendations. You will spend far less on home insurance if you work with these.

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You could save several hundreds of dollars by simply obtaining and comparing quotes from about five insurance quotes sites. And, it will require just about 25 minutes on the whole.

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