How To Get The Best Rates On Homeowner’s Insurance In California
Its no secret that many people believe that California is going to be subject to a large earthquake within the next few decades. With the cost of the 1994 earthquake in Northridge estimated to be more than 12 billion dollars, residents in this state should think twice before declining earthquake specific coverage.
Beyond that every homeowner and renter needs homeowners insurance. Finding the best rates is the goal of virtually everyone and with some understanding of what insurance companies see as appealing its not hard to negotiate a reasonably good price on premiums.
Your homeowner insurance history follows you wherever you move within the United States. If you lived in another state and filed several small claims with your homeowners insurance company before moving to California, you can expect your rates to reflect that. If a windstorm blew off a shingle or two from your roof or you suffered a broken window, its a good idea to consider paying to fix those. Claiming them against your homeowners insurance policy may seem like a good idea, but the claim will likely cause your rates to...
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