If you live in and own a home in the beautiful city of San Francisco then you know that your little piece of real estate is in one of the more if not most expensive real estate markets in the country. Because of this it only makes sense to protect it with some form of home owners insurance. Of course since home values are so high in your area the cost of home owners insurance tends to follow suit.
Finding home owner insurance in San Francisco is a rather simple task because of the sheer number of insurance providers not only in the area but also online. The trick becomes finding the best rate with the type of coverage you need. To get the lowest possible rate on your home insurance policy there a few trick and tips you can follow.
1. Shop Around – There are literally hundreds of insurance companies out there and they all want you business. If you are looking for new home owners insurance shop around. If you only ask for one quote from one provider you could be throwing your money away. Get at the least four quotes to compare. By doing this you can pick and choose which coverage policy works best for you and your budget.
2. Combine Policies – If you also own an automobile, and most of us do, check with your current insurance company to see if you bundle both your home and car insurance under one policy if that will save you money. If you are shopping for new insurance this is always a good thing to ask of prospective providers. In some cases you may save up to 10% off your current monthly premium.
3. Home Security Systems – If your home has a security system that is hard wired to a central call center chances are you can get a discount on your home owner’s policy. This is also true if you install one in your existing home or during a remodel.
4. Raise Your Deductible – This is probably the easiest way to get a lower home owner insurance premium. Do be careful when doing this because if you raise your deductible to high and your house sustains damage you will need to make sure this amount of money is available if you want to repair your house. Remember the insurance company will not make any payments until that deductible is met.
By using these four tips you can significantly lower your premium for your home owner insurance in San Francisco. And who wouldn’t want to have some extra cash in their pocket to more thoroughly enjoy everything this great city has to offer.
To learn more about how to get home owner insurance in San Francisco visit the website Home Insurance Quotes by Clicking Here.
Article Source: http://EzineArticles.com/?expert=Andrew_Bicknell
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