5 Ways To Lower Your Homeowners Insurance In Santa Clarita

Santa Clarita homeowner's insurance has varying costs. These costs, or premiums, are dependent upon a number of things. These include the type of coverage you choose to carry, the amount of your deductible, and the kind of home you need to insure. Santa Clarita is located just north of Los Angeles, California, in an area prone to earthquakes and heavy rains at certain times of the year. Here are 5 tips for lowering your homeowner's insurance rates if you live in Santa Clarita.

1. When you are purchasing a home, look closely at the location, building materials and quality of construction of the home you want. Newer homes will cost less to insure for at least the first five to seven years. In an earthquake prone area, such as Santa Clarita, choose a home with wood frame construction. This type of construction will be more likely to withstand this kind of disaster.
2. Every year, look at your possessions. If you have expensive jewelry, furs, silver or fine art work, you are probably paying extra to insure them on a floater policy. You may no longer own these items or you may find that you do not need to insure them for as much as you currently have your homeowners policy set to cover.
3. Purchase your homeowners insurance and automobile insurance policies from the same company. This way you will receive a discount and, also, have only one company to deal with in case of a claim.
4. Maintain a strong credit record. Your insurance company most likely uses credit information to determine the price of your homeowners insurance policy. Check your credit record annually to be sure that the information stated is accurate.
5. Raise your deductible limit. The deductible is the amount that you must pay before your insurance pays when you have a claim. By raising this deductible to $500 or even $1000 on your homeowners insurance you may be able to save up to 25% on your policy.

By checking with your insurance agent you will be able to discuss your individual situation and circumstances to get the best possible rate. Remember that price is not everything; the service and reputation of your agent and insurance company will mean more to you when you have a loss or claim.

To find out more about how to lower your homeowner's insurance rates go to http://www.InsuranceSantaClarita.com

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