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You can make your house almost disaster proof thereby lowering your risk and, as a result, your home insurance premium. Apart from ensuring you have everything in place to prevent fire and burglary, the following are recommended for various areas…

a. If you reside in a locality that is very susceptible to high winds, you’ll make considerable savings by having storm shutters.

b. Using a heavier roofing material will reduce your risk factor thereby helping you save more on your home insurance premiums if you reside in a windy area.

c. If your area is prone to earthquakes, do your best to retrofit you home.

d. Make the exterior of your house fire-safe and you will reduce your home insurance rate. You’ll do well if you don’t have anything that’s inflammable close to your building. Although cutting bushes around your home looks mundane, you will get lower rates if you do keep them at a distance of at least ten feet from your structures. The likelihood of fire in a house is a very strong factor that influences your home insurance rate.

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e. Cutting off dry branches on trees on your property will lower the likelihood of a branch falling off and causing injury and/or damage.

f. You will also do well if you plant your trees at a safe distance from your structures for many reasons. A tree can help burglars and their branches can also fall off and damage part of your building. It could also reduce the lifespan of your roof depending on the material it is made of.

g. Having dead-bolt locks on all exterior door will lower your home insurance premium. It’s harder for burglars to break into homes that have such locks. The more protected your home is against burglary, the better the risk taken in insuring it.

h. Install special fire and security gadgets that alert fire stations, police stations or other monitoring centers. Apart from the peace of mind you’ll have in knowing your house is always been watched by committed personnel, you will enjoy more affordable home insurance rates. This can reduce your rate by more than 25% depending on your insurer.

If want more ways to make your home really disaster-proof, consult your agent.

Also discover the cost-effectiveness of each suggestion you receive|It’s also neccessary to check if the discount you’ll get justifies the cost of applying the advice. You will pay far less for home owners insurance if you work with these.