In California the average homeowner can expect to pay more than $ 800 a year in homeowner insurance costs. This is a large amount of money to the average person so finding a way to enjoy lower premiums is always welcomed. Knowing what you need in terms of coverage is the key to comparing low cost homeowner's insurance in California.
Contacting several different insurance companies will typically yield you a range of quotes. Each company will have different levels of coverage and it's up to the consumer to specify exactly what they need. If you own a property that has an outbuilding such as a large shed or garage, for instance, you need to specify this when asking for quotes. You'll also need to decide if you want content coverage for those buildings or just for the home.
Most homeowner's insurance policies have a limited amount in place for items such as jewelry and electronics. Ask about what each company's limits are in terms of this because if you happen to have an heirloom pearl necklace or a large screen television set, you'll need to purchase a rider that will cover those in the event that they are stolen or destroyed in a fire.
Asking about the claim's process is a question many homeowners fail to do when inquiring about a quote. Most companies will have a specific process that needs to be followed and in some cases, an agent will be sent to assist you in the event you suffer a loss. If this is the case, ensure that you ask about any added cost that may be added onto the policy for personalized service such as this. It's critically important that you are very clear on what is and is not covered under the premium price before agreeing to any policy.