One of the best things you can do when you are in the market for California home insurance quotes is to make sure you shop around. Every insurance company is different and basically the way they determine your premiums has just as much to do with how they figure out their commissions as it does how much your home is worth.
You can always get a free quote from any company you are interested in. Once you get enough quotes together from california-insurance.net you may want to compare the companies side by side. Makes sure that each company has provided you with a list of the discounts that they offer. Every company has them but not all have the same ones. Here is a list of discounts that may be offered:
- Good driver discount
- Military discount for those currently serving, retired, and their families
- Good student discount
- Low mileage
- Bundling your car insurance with your home or life insurance will save you money
- Paying your entire annual premium at one time instead of monthly payments
- If you have more than one vehicle you are going to insure
- You can save 10% by joining the Farm Bureau
- Equip your car with a security system
- Take part in a safe drivers course
Once you feel like you have a good policy always make sure to check with your company every year because things change regularly.
Also find out if the company has flood and/or earthquake insurance. People who reside in the state of California should have both. You have a good chance of experiencing either one or both of them. You may have damage from one thing that caused a different set of circumstances. For example, if a branch were to go through your window you regular insurance would cover it. If a great deal of water were to come in that might fall into the flood category.
Make sure you completely understand your California home insurance quotes. Your home may be insured but your stand-alone garage might not be. Your carport might be insured but your storage sheds are not.
Make sure you list all of your belongings and if you can, include pictures and videos. You need to be able to get the closest replacement you can if it comes time to do so. You must always keep your personal inventory updated, especially if you purchase collectibles or antiques on a regular basis.