Finding affordable homeowners insurance in California can be a challenge — but not with these five simple, common-sense tips. Keep reading to learn more.
1. Raise Your Deductible
No matter where you live, and no matter the type of policy, raising your deductible is a sure-fire way to lower your insurance premiums.
By raising your deductible you are basically agreeing to pay more out of pocket when you make a claim.
This lowers your insurance rates, but you have to be careful. A deductible that’s too high may prove impossible to pay after an accident, which would certainly leave you in a tight spot at an already stressful time.
2. Bundle Your Homeowners and Auto Insurance
This is another classic strategy to save on homeowners insurance.
Almost all insurance companies offer multi-policy discounts where you save money if you purchase your home and auto insurance policies from the same carrier.
3. Ask What Discounts Are Available
In addition to multi-policy discounts, insurance companies offer other discounts, so don’t be shy about asking your insurance agent for ways to save.
For example, in some cases retired people are eligible for discounts on home insurance because they tend to spend more time in their homes, so they spot accidents faster and have more time to be diligent about maintenance.
Other discounts you may apply for include:
- Living in a gated community
- Being claims-free for a set amount of time
- Non-smoker discounts
- Loyalty discounts
- Paying for your policy in full
4. Improve the Security of Your Home
There’s a simple rule in insurance: lower risks translate into lower rates.
That’s why installing certain devices that enhance the security of your home may help you save on your homeowners insurance in California.
Some examples of the devices you may consider installing include:
- Sprinklers
- Deadbolt locks
- Smoke detectors
- Burglar alarms
Keep in mind that not all devices qualify you for a discount, so make sure to speak with your insurance agent before making a purchase.
5. Safeguard Your Home Against the Elements
Burglars are far from the only risk you face as a homeowner.
Natural events like storms or hail can also damage your home. That’s why another way to save on home insurance is to make your home more resilient to disasters.
Some of the protections you can consider installing include storm shutters, roof reinforcements, or improvements to your plumbing system. Also in this case, make sure to find out from your insurance agent exactly which protections can help you qualify for a discount.
Delgado’s Insurance: Affordable Homeowners Insurance in California
Need affordable coverage? Interested in learning more about the cost of homeowners insurance in California? Contact the experts at Delgado’s Insurance.
We have locations in Riverside, California, and Bloomington, California. Get in touch today by telephone (951-361-0084, 909-421-9003), email (mail@delgadosinsurance.com), or through our social media accounts (Facebook, Twitter) to get a free quote and learn more about our full range insurance and tax services.
