Cheap Homeowners' Insurance -- How Disaster-Proof?

The more you fortify your home to be less susceptible to perils the more affordable your premium will be. Apart from ensuring you have all in place to prevent fire and burglary, the following are recommended for different locations...

a. If you live in an area that's very susceptible to wind damage, you will make considerable savings by fitting storm shutters.

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

c. Retrofitting your house as a defence against earthquakes.

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

e. It is also advisable that you ensure no trees come to your structure. You will run a bigger risk of a branch falling off and damaging your roof. It could also reduce the lifespan of your roof depending on the material you use.

Your agent will tell you other things that you can do to ensure your home is a better risk to your insurer.

It is also neccessary to check if the discount you will get justifies the cost of applying the recommendations. Use those that are cost-effective and you will get better rates.

And don't forget...

You will save much if you really have between 25-30 minutes. Visit, receive and compare homeowners insurance quotes from various insurance quotes sites. The cheapest quote should be your choice easily.

But, you have to go beyond simply the lowest price to the best price to value ratio. The lowest priced may not be the best price/value for you as a person.

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