How to Lower the Cost of Your Homeowners Insurance Nobody enjoys overpaying for things; especially when we often don’t see tangible benefits from a large payout. People can stomach paying large car payments, because they interact with their vehicle daily. The same is not true of things like insurance. Only when something catastrophic has happened do we get to appreciate the payout we have done for home or auto insurance. There are ways to save on your insurance bill every month. This will free up some extra cash for spending or saving for your household. We will guide you through some important things to consider when making peace or trying to find a better rate for home insurance in Fremont.

Lowering the Payment First and foremost, do not settle for one price quote. Feel free to shop around to find the best price with the best coverage. Don’t just let your insurance renew with the same people every year – get out there and make the companies compete for your business. Second, look for loopholes and discount opportunities to save. Many insurance companies will offer discounts for things like home security systems. Being able to bring the rate down can be done by showing the company that you are responsible. Because you can’t show them that you lock all doors and windows at night – you can show them you want to be safe and protect your home from burglars. Next, review your claims and deductible. A little homework done by you will go a long way. As you review what your minimum out of pocket before insurance is, consider raising it. The more you are willing to pay, the more the insurance company will be willing to foot the bill. Consider the claims you have previous filed. Just like any insurance, home insurance looks to see what they have been required to pay out. If C.L.U.E reports show any history of home insurance claims, you may be out of luck. Last, make sure that your valuables have been appraised. To know what level to file for, you need to know how much it would cost to replace your belongings. Keeping your catalogues updated will ensure that you will be able to replace everything, should anything happen to your home.

Protecting Your Home There are several things you can do personally – to secure your home. Because you can’t rely 100% of the time on insurance companies, you should consider how to disaster-proof your home. Taking the precautions to avoid damage to your home will help you feel a sense of peace. If you live in certain climates, some of these will apply more heavily to you. Such items that can be installed on or around your house are:

Storm shutters Reinforced roofs Eco-friendly heating Updated Plumbing Regular maintenance to electrical

systems Finding ways to prevent water damage, fire damage, or storm damage are all important. Paying for disaster services is expensive; and not all disasters are covered. Review your contract for home insurance carefully. If there are items lacking, consult with the agent to find the best solution to make sure your home is covered in the event of an emergency.