Cheap Homeowner Insurance Quotes
Preferred Homeowners - Designed for new and
updated homes less than 30 years old in protected locations
- within five road miles of a responding fire department and
within 1,000 feet of a fire hydrant.
Homeowners - A policy for excellent homes in excess of 30
years old or located in partially protected, or unprotected
Scheduled Items - Many items have unique
values and exposures that may need to be scheduled. Items
such as jewelry, furs, collectibles, musical instruments,
etc. may be insured for specific values and covered for
additional perils separate from the basic Homeowner Policy.
Consult your agent when making this very important decision.
Please contact us so we can provide you with your
Only the basic coverages are
outlined here. Homeowner coverages vary by state and form
and all coverages are subject to certain restrictions or
limits. In addition, these coverages can be increased or
decreased depending on your individual needs.�Discussing
these options with your agent will get you the best coverage
you need at the most affordable cost.
For a Homeowner, or
Condo, or Landlord Policy, Please complete this form.
- Principle structure
Coverage B - Additional structures
Coverage C - Personal property
Coverage D -
Additional living expenses
Coverage L - Liability
Coverage M - Medical payments insurance
Other coverages that may be optional or included (depending
on form), are:
Credit card coverage
Replacement cost contents
- coverage A
Fire department service charge
Jewelry, watches, furs
Office, professional, private school
or studio occupancy
Refrigerated food spoilage
damage - sewers, drains and sumps
What to look for in a Homeowner Insurance Policy
There are many money-saving ways to
tailor your homeowner policy. Here are some of the available
Protective devices - Credits are
available for smoke detectors, local alarms, sprinkler
systems, fire department/police department alarm, or central
station alarms. These credits can range in savings anywhere
from 2% to 8% of your premium.
larger the deductible, the more the savings. Unlike most
companies, Western National does not cap the amount of
credit for deductible options. Optional higher deductibles
of $500, $1,000, $2,500 & $5,000 also produce significant
savings. Ask your agent to explain these options in more
Common Loss Deductible - Limits the
deductible from a common loss to two (2) or more policies
insured with Western National to only the single highest
Homeowners Insurance in
California – CA
Home owners insurance in California
covers the home, personal property and liability lawsuits in
case one is hurt in the home of anyone who takes out a
cover. Your home and belongings are covered against damage
from fire, lightning, burglary, vandalism and acts of
nature. However most companies do not provide cover against
flooding and earthquakes so people living in such areas
should get supplementary insurance cover to reduce their
Before taking out an insurance policy, the
company’s credibility should be established. You need to
• How the company relates with its customers;
here is where their previous customer experiences matter.
• They should have open communication in order to
explain any questions you may have. Their call center staff
should also be accommodating and helpful.
financial ratings including its experience with paying out
claims to clients and their credit ratings.
Policies and pricing are also important as the reactions of
other potential or existing clients to the insurance policy
offers are an insight of the general acceptability of the
company’s packages and their prices should complement the
offers. Their rates should not be exorbitant.
evaluating an insurance company in California, the size of
the company is a non issue as it’s not the size but the
service and cost that matter. All the information that one
may require about insurance companies in California can be
found on the department of Insurance website.
ideal homeowner’s insurance policy is the one that covers
the cost of rebuilding your home in its entirety if it’s
ruined and replaces personal belongings if spoiled while
protecting against liability lawsuits within your home. To
be able to discern the amount of coverage that one needs,
you should get the approximate square-foot building costs in
your area multiplied by your homes square footage. As for
personal belongings one should take an inventory of these
then calculate their total value.
When gauging which
insurance company has the least premiums and the best
overall rates it’s advisable to compare all available
options. This can be done by filling out questionnaires with
the various insurance companies in California online then
getting their quotes. From these the cheapest with the best
offers can be chosen to provide you with cover. Some
comparison sites even have insurance professionals online
that answer any insurance queries. With insurance companies,
the ability to pay claims and their customer relations are
Chubb Insurance City Homes
The text below is by Consumer Action
Website )Federal Citizen Information Center)
be able to save hundreds of dollars a year on homeowners
insurance by shopping around. You can also save money with
Consider a higher deductible. Increasing
your deductible by just a few hundred dollars can make a big
difference in your premium.
Ask your insurance agent
about discounts. You may be able to get a lower premium if
your home has safety features such as dead-bolt locks, smoke
detectors, an alarm system, storm shutters or fire retardant
roofing material. Persons over 55 years of age or long-term
customers may also be offered discounts.
house NOT the land under it. After a disaster, the land is
still there. If you don't subtract the value of the land
when deciding how much homeowner's insurance to buy, you
will pay more than you should.
Don't wait till you
have a loss to find out if you have the right type and
amount of insurance.
Make certain you purchase
enough coverage to replace what is insured. "Replacement"
coverage gives you the money to rebuild your home and
replace its contents. An "Actual Cash Value" policy is
cheaper but pays only what your property is worth at the
time of loss-your cost minus depreciation for age and wear.
Ask about special coverage you might need. You may
have to pay extra for computers, cameras, jewelry, art,
antiques, musical instruments, stamp collections, etc.
Remember that flood and earthquake damage are not
covered by a standard homeowners policy. The cost of a
separate earthquake policy will depend on the likelihood of
earthquakes in your area. Homeowners who live in areas prone
to flooding should take advantage of the National Flood
If you are a renter, do not
assume your landlord carries insurance on your personal
belongings. Purchase a separate policy for renters.
Deal of the Day by Kelli B. Grant (Author Archive)
6 Ways to Save on Homeowners Insurance
consumers often look to their homes as a potential cash cow.
However, these days taking out a home equity loan or line of
credit is practically a pipedream. But there is one way to
reap some financial benefits from your home: through
Premiums on homeowners'
policies can cost thousands of dollars a year, but they
don't need to be so pricey. Insurers base their premiums on
the square footage of the home, the estimated cost to
rebuild it, neighborhood crime and the relative danger of
natural disasters -- almost all of which are constantly in
flux. By reassessing your coverage and taking steps to lower
your risk profile, you can keep hundreds of dollars in your
Seeking such savings should not entail
cutting corners on your policy, though, cautions Noreen
Perrotta, finance editor for Consumer Reports. Should an
inadequately-covered home get destroyed by a fire (or any
other disaster), the owner may not have enough money to
Here's how to save without putting your
home at risk:
Maintain a healthy credit score
credit score does more than hurt your chances of landing a
loan. Coupled with negative factors, such as a history of
late payments or numerous insurance claims on your home, a
poor score can prompt an insurer to raise your premiums,
warns Loretta Worters, vice president for the Insurance
Information Institute, an industry trade group. On the other
hand, a stellar score serves as added proof to the insurer
that they aren't taking too much of a risk on you, which can
result in a better rate. (For tips on how to raise your
credit score, read our story).
Ask your insurance provider whether they offer
a reduced rate for bundling policies, say, a homeowners and
an auto policy, says Jeff Leiman, senior director of J.D.
Power and Associates' insurance practice. Such a move can
yield discounts of up to 15%. Also, some insurers offer
loyalty discounts of 5% to 10% on premiums to customers
who've held policies at least three years, reports the
Insurance Information Institute. If you can't finagle a
better rate in either of those ways, then shop around.
Increase your deductible
Just a small increase in the
amount you're responsible for should disaster strike can pay
off big in premium savings, says Perrotta. A homeowner who
raises his deductible from $250 to $500 could save as much
as 15% on monthly premiums. If they raise it to $1,000, they
can save up to 25%.
Disaster-proof your home
Simple safety improvements, such as buying a fire
extinguisher or installing a smoke alarm or deadbolt lock
can reap a discount of up to 5% with most insurers, says
Perrotta. Expect even bigger rewards for larger projects,
like installing shatterproof windows (10% in windstorm-prone
areas) or high-tech security systems (15% to 25%). Just make
sure to check your insurer requirements before you start
knocking out the windows.
Another potential safeguard:
you. Most insurers offer discounts of up to 10% to retirees.
The assumption is that retired people spend more time at
home, therefore they can react swiftly to incidents such as
a fire or a broken water pipe, says Worters.
Where you live is a primary
factor in your insurance rate, says Worters. Alert your
insurer to any changes in your neighborhood that could lead
to a more favorable rating, and in turn, less expensive
premiums. For example, new storm drains may prevent
flooding, while installing extra fire hydrants and clearing
brush from empty lots will help reduce possible fire damage.
Insurers like to know your payments are
a sure thing, especially in today's economy, says Leiman.
Signing up for automatic payments that are debited from your
checking account can often land a discount. Or, if you can
afford it, pay your annual bill all at one time. That way,
you avoid the monthly convenience fee of $2 to $5 that many
insurers tack on.
Assessing Insurance When You Buy
If plunging real-estate prices are enticing you to buy a
home, make sure to factor in homeowners' insurance costs as
you shop. "You may be able to afford the house, but find you
can't afford the insurance," says Worters. Ask the current
owner how much he pays, and consider these five factors:
Ask insurers which materials
are preferred locally. A brick house in Long Island, N.Y.,
would get a favorable rate for its ability to withstand
wind, says Worters. But the same house would be far pricier
in Los Angeles, where brick is among the least stable in an
You'll pay up to 15% less
if the home's heating, plumbing and wiring systems are less
than a decade old, says Perrotta.
your home is in a zone at risk for flooding, it requires
extra insurance -- adding an average $400 annually,
according to the Insurance Information Institute.
The home's proximity to a fire hydrant and
the nearest police station, as well as its crime rate and
other factors, help determine the risk level of your
neighborhood. The more risk, the bigger your premiums.
Ask the seller to provide a copy of the
home's Comprehensive Loss Underwriting Exchange (CLUE)
report, which details the property's history of insurance
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