California is notorious for its earthquakes and for homeowners living there earthquake insurance is likely something they'll want to give serious consideration to.
The California Earthquake Authority is the organization in control of earthquake insurance, but for all other types of homeowner's insurance, residents can do their own part to find themselves a great deal.
If you live in California and you want to get discount homeowner's insurance consider the following tips: oHomes that are close to a fire hydrant or fire house are less to insure.
Although this likely won't be a determining factor in which home you ultimately purchase, it does pay to mention to your home insurance agent if you do live near either a hydrant or a fire hall.
oMaintain good credit.
Homeowner's insurance rates can vary depending upon the homeowner's credit score.
Pay all your bills on time.
oReinforce the windows and roofs.
Many home insurance companies offer discounts to clients who add storm windows or those who replace the shingles on their roofs.
Ask about any possible weather resistant discounts before you begin your home repairs.
oWork from home.
If someone is present in the home for most of the day, there is much less chance of a break and enter occurring.
Insurance companies may offer a rate reduction if someone works from home or is simply a stay-at-home parent.
Installing smoke detectors and fire extinguishers are also ways the average homeowner can save on their annual home insurance costs.
Before agreeing to any policy it's a wise idea to ask about all the available discounts to see if you qualify for any.
Although many home insurance agents will be forthcoming about ways their clients can reduce costs, not all are, so the consumer needs to ensure they are indeed getting the lowest rate they are eligible for.