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California has some of the highest homeowners insurance rates in the nation. So how do you get cheap California homeowners insurance? Here s how …

Homeowners Insurance Coverage

Homeowners insurance provides coverage for damage to your home and your personal property caused by fire, lightning, theft, water damage, vandalism, and burglary. It also protects you and your family against liability lawsuits.

Go Shopping

The difference between one insurance company s policy and another s can be $1,000 or more, so it pays to shop for rates. There are websites where you can go to get quotes from a number of different companies. Some of these sites even have a chat feature where you can get advice from an insurance expert (see link below).

Raise Your Deductible

The deductible is the amount you have to pay on a claim before your insurance kicks in. Raising your deductible from $250 to $1,000 can save you 24% or more on your insurance. This not only decreases your premiu (more...)

Knowledge is power and when it comes to getting affordable Alabama home insurance, it couldn t be any truer. After the Katrina, a lot of things changed about Alabama home insurance. Deals are not as many as they used to be due to the millions of dollars many insurance companies lost in lawsuits and claims. These few tips will help you get more for less.

1) It is very important that you check “Section I Exclusions” to make sure you have coverage from natural disasters. Many home owners got the worst shock of their lives after the Katrina when they were told that the were not really covered from “Acts of God.” Please, do yourself a favor and check well. If in doubt, ask your agent.

2) You can get affordable Alabama home insurance if you install a sprinkler, get a good fire system, have a good security system and take time out to maintain your yard. These will lower your home insurance premium.

3) Read and update your information on Alabama home insurance. You can (more...)