Control Home Insurance Costs On Your East Bay Home

Home insuranceIt comes as no surprise that home insurance costs are increasing across the country, and here in East Bay. Shopping around yearly for the most competitive rate is one option to help control your cost. Here are few other ways you can help control the cost of home insurance on your East Bay home:

Raise Deductibles: The idea behind home insurance was not to cover small things that occur around the home, but in reality to cover catastrophic events. Increase your deductible to the highest limit you can comfortably afford to reduce your yearly costs.

Choose Carefully: When looking for your new dream home take into consideration if it lies in a flood prone area. Look for a home that is in a community with a professional fire department. Prior to purchasing a home review the Comprehensive Loss Exchange report to see any previous claims on the home.

Reinforce: Modernize your home if it needs it to reduce the risk of fire and water damage. If your home does not have storm shutters, consider installing them.

Home Security: Keep your smoke detectors with working batteries at all times. Make sure to deadbolt the doors in your home at all times, and install an alarm system.

Group Policies: To save money on your home insurance policy, group it with other policies such as auto loans. Many times companies will provide you a large discount if both your home and auto policy are with them.

Get Rid of Coverage:  Do not add things to your policy that you do not need as this only drives up the cost.

Review your home insurance policy and costs yearly to be sure you are getting the best coverage and the most affordable cost.

If you are ready to sell or buy a home in East Bay, contact me by email or call me, Brad Gothberg, at (925) 648-5326. I have been a real estate professional for 23 years and my qualifications include the production of over $105 million in sales within the past 5 years.

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