Ways to Lower your California Homeowners Premiums

At American Tri-Star Insurance we aim to keep our clients’ premiums as low as possible.  If you own a home or are in the process of buying a home, you are probably aware of how expensive home insurance premiums in California can be.  Here are some things to consider when buying homeowners insurance.


9 Ways to Lower Homeowner Premiums in California

  1. Use an independent agent like American Tri-Star to shop several companies to find the best rate.
  2. Boost your deductible. The higher your deductible, the more money you save on premiums.
  3. Bundle your home and auto policies for additional discounts.
  4. Improve Security- Install deadbolts, alarms, sprinklers, or smoke detectors.
  5. Strive to be claim-free- claims drive up your premium.  Take care of minor claims yourself.
  6. Always pay your bill in full- no late fees!
  7. Toys and safety hazards- pools, trampolines and treehouses are just a few items that can increase your homeowners premiums.
  8. Update your insurer about any major life changes- Retirement, Marriage, and even quitting smoking may qualify you for more discounts.
  9. Upgrade for safety and disaster resistance- Any upgrades you can do to your electrical, roofing, or plumbing will make your home more resistant to natural disasters.


Decrease your Premiums today!

These are just a handful of ways to keep your homeowners premiums low. Give one of our agents a call at 619-474-3900 or if you are in the San Diego, Chula Vista, National City, or Vista area just stop by one of our offices today!