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Ways to lower your California homeowners premiums

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.

  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 tree houses 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.

These are just a handful of ways to keep your homeowners premiums low.  Give one of our agents a call at 800-249-7875 or if you are in the San Diego, Chula Vista, National City or Vista area just stop by one of our offices today!