Affordable Home Insurance: How Risk-Proof?

The more you strengthen your home to be less susceptible to disasters the more affordable your premium will be. The following are necessary after taking measures against fire and burglary depending on were you reside...

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

b. Folks who live in areas that experience high winds will will be better protected if they use heavy roofing material. This in turn helps bring down their rates.

c. If your area is prone to earthquakes, do your best to retrofit you home.

d. Dry limbs on trees could easily cause a lot of liability issues. So make sure you cut off all dry or dead limbs on trees on your property.

e. It is also recommended that you ensure no trees come to your structure. You'll run a bigger risk of a branch falling off and destroying your roof. Depending on the type of roofing material you use, this could as well lower its durability.

If you're interested in other ways to make your home really disaster-proof, discuss with your agent.

Compare what applying each would cost and how much it will reduce your rate. Apply those that justify your expenses and you will attract cheaper rates.

Finally...

You can lower your homeowners' insurance rates by obtaining and comparing quotes from at least five reputable quotes sites.

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