Many home owners would be surprised to find out just how much the impact of a home’s location can have when it comes to finding the best California homeowners insurance. Living in high-risk areas where the crime rate is through the roof and violence is common, will usually push premium rates up, but there are many other factors you might not be aware of.
How close you live to a fire hydrant is a factor when it comes to home insurance. The closer you live to one, the less risk your house has of burning if a blaze erupts. Therefore insurers often charge you less than if you were living kilometers away from a hydrant.
Living in a community that has a professional fire department, as opposed to a volunteer unit, can also reduce your premium. It may also be cheaper if your home’s electrical, heating and plumbing systems are all less than 10 years old.
Finally, the type of house you live in is also a factor. Insurers are more likely to give discounts to those who have a wind resistant brick house, rather than one made of timber or tin.
For more information on the factors that affect the cost of your California homeowners insurance or for quotes, call us today. We’re happy to assist clients with a range of personal and business insurance products.
*
