Auto Insurance Auto Insurance http://stateautoinsurance.wordpressors.com en-us Thu, 12 Jan 2012 07:12:45 GMT Thu, 12 Jan 2012 07:12:45 GMT <![CDATA[Money Saving Tips for Earthquake Insuarance]]> Earthquake insurance is necessarywhen a homeowner lives in a community or state that is at higher risk ofdisaster. Although earthquakes don't always happen in high risk areas, most ofthese areas will require earthquake insurance be purchased by the home owner.If you are looking for the cheapest way to cover your home, the first place tolook is in the community. Some communities or governments provide a tax-rebateor fund to purchase low-rate earthquake insurance, consult community officersprior to making a purchase to see if your home qualifies. If you are purchasingearthquake insurance from a private company keep in mind that your rate isbased on the location of your home and improvements to keep is structurallysound.

Improvements

If your home is in a high risk area, there are things you can do to lower yourearthquake insurance rates. Improvements like adding wall braces and replacinggas shut-off valves with automatic shut-off systems make insurance companieshappy. Simple things like securing or bracing your water heater and having a stablepipe system will lower your insurance rates or simply keep them low, dependingon if it is an improvement or the house was built that way. Ask your insurancecompany what you can do to improve your risk factor and do a little here andthere over time. When you are finished, make sure to ask the company toreevaluate your policy, for a lower rate.

Your Home

When purchasing or building a home, location is a big part of how much moneyyou will have to spend on earthquake insurance. In a high risk area manyquestions about the land and previous quakes should be asked. Even if yourwhole community is high risk, that doesn't mean you will pay the same amountfor earthquake insurance as your neighbor on the hill. Choose a home that is onstable ground and has a good foundation. Wood is known to withstand anearthquake better and may get you a lower rate on insurance.

Just Ask

Prior to choosing a separate company for earthquake insurance, ask the agentyou get your homeowners insurance from if you can add it to your policy. If youcan't then you have a lot of questions to ask the company about your earthquakeinsurance. Make sure the agent or company understands that you are interestedin good coverage at the lowest rate possible and are willing to do what theyneed you to do to pay the lower rate. Some agents will tell you that thereisn't anything more you can do and the rate is the best you can get. Shoparound and compare prices, settle for the lowest rate and make sure your houseis safe.

Earthquake insurance is a purchase that needs to be made, but should be makewith improvements and consideration in mind. If you are new to an area or justtrying to get a lower rate on a home you already own, the best thing to do istalk with an agent and get as much information about how they work and whatthey can do to make you happy.

 

To learn more abouthow you can cheap auto insurance visit the Texas auto insurance page for more information and start saving now.

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