You reduce your home owners insurance premium by taking steps that will make your house more disaster-proof. The following are necessary after taking precautions against fire and burglary depending on your locality…

a. You will enjoy superior protection from wind damage with a storm shutter.

b. Using a heavier roofing material will make your home more insurance friendly thereby making you save more on your home insurance rates if you live in a windy area.

c. If earthquakes disturb your area, make sure you retrofit you home.

d. Cutting off dry branches on trees in your home will lower the probability of a branch falling off and causing injury and/or damage.

e. You’ll also do well if you keep your trees at a safe distance from your structures for obvious reasons. You will run a bigger risk of a branch falling off and damaging your roof. It could also lower the lifespan of your roof depending on the material it is made of.

f. Fix smoke and fire detectors. They will go a long way in lowering your home’s fire risk If you install them in all the relevant places in your home you’ll enjoy a discount. If you have them, don’t forget to change their batteries twice every year.

The reason for this deduction in your rates is that these make it a lot easier for fires to be put out before they can cause much damage. And because the risk of fire in a house is important in working out home insurance rates, you will spend far less by taking this step.

g. Do your best to have fire extinguishers at important points in your home. Your kitchen is one important place to have one or more functional fire extinguishers. And do ensure that it is such that is suitable for that kitchen.

And, don’t forget that you must keep them within easy reach. This may seem negligible but you’ll pay more if you don’t have them in your house.

h. A fire-safe home exterior will help lower your rates. Do you have things that could likely aid combustion near your house? They will make you pay more. Although cutting bushes around your house looks simple, you will get cheaper rates if you do maintain them at a distance of at least ten feet from your structures. Fire-safety is a strong factor that is used to calculate what you pay as premiums.

i. You’ll get cheap home insurance rates if you have motion-sensitive lighting on your property. Burglars generally do NOT like to operate in any place they could be easily seen or caught. Your rate will be lower once you’ve reduced your home’s risk of burglary through this type of lighting.

j. Dead-bolt locks on all doors to the exterior will help you attract a cheaper rate. They will make it harder for burglars to break into your house. And as you know, the less the risk of burglary in a house, the cheaper rates it will attract.

Your agent will tell you other things that you can do to ensure your home is a better risk to your insurer.

Compare what applying each would cost and how much it will lower your rate. You’ll spend far less on home insurance if you work with these.