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California Home Insurance

Homeowners can now shop their California Home Insurance policies with multiple carriers all by requesting a single quote. SavePro Insurance Solutions can now help do all of the shopping for you. All you need to do is request a quote and we will shop your policy with many of the nation’s top rated insurance companies, all while providing a single point of contact.

Being an independent insurance agency, our contracts allow us to work with several insurance companies. This gives our agency the capability to provide our consumers with the most comprehensive insurance packages at the most competitive rates.

Our clients can rest assured that every insurance company that we place our California Home Insurance policies with are all rated “A” or higher by AM Best. These are amongst the highest tier of ratings that are available.

When getting a new home insurance policy Californians need to ensure that they have a full and accurate understanding of the coverage and endorsement that are available prior to purchasing a policy. Although adding additional endorsements to the insurance policy can be a little as a few dollars per year in premium, it could result in tens of thousands of dollars of difference during the claims process.

It is our mission at SavePro Insurance to assist every client that works with our agency in providing a clear understanding of all their options and impact that these options would have on the total annual premium. Our agency is here to ensure that every consumer working with us is making an educated decision of how they would like to tailor their California Home Insurance policy and with our market access, many of these consumers find that they can purchase superior insurance policy at more competitive rates.

We are also here to help our clients understand how they can lower their California Home Insurance premiums. Below are several tips to help save.

Being an independent insurance agency, our contracts allow us to work with several insurance companies. This gives our agency the capability to provide our consumers with the most comprehensive insurance packages at the most competitive rates.

Being an independent insurance agency, we have the ability to provide quotes from several of the nation’s top rated carriers with multiple lines of businesses so that we can help whether you need auto, home, and life insurance or simply need an SR-22 insurance policy. This independent status gives us the advantage over many of the competition and eliminates the need for consumers to work with multiple insurance agents or brokers. Our agents and brokers are standing by and are more than willing to shop your insurance needs with several insurance companies to ensure that you are receiving the most competitive rate available.

Tips on California Home Insurance Savings

  • When getting quotes on your California Home Insurance policy check the difference in premium between several deductible options. Many insurance companies offer deductibles levels of $500, $1,000, $1,500 and $2,500. Many homeowners will go several years between claims. In fact, the average homeowner makes a claim once every 8 years and many insurance policies will offer a savings of over $100 per year by selecting a $1,000 deductible rather than a $500.
  • When shopping for a new California Homeowner Insurance policy, have the agency that is shopping the home insurance policy also shop your auto insurance policy. Many carriers offer discounts for having multiple lines of business. These discounts range from 5% to %20 depending on the carrier. When getting discounts on the auto and home policies, consumers are likely to receive the most competitive premiums in the market.
  • Ensure the security of your home and advise the agent of additional security feature that your home has. Many insurance companies offer discounts for smoke detectors, deadbolts, fire extinguishers, and central reporting theft and fire alarms. The percentage of discount will vary between carriers.
  • Work with your insurance agent to see if there are any changes that can be made to your home or property to help it be more easily insurable. Due to strict California Homeowner Insurance guidelines, many risks could be considered ineligible for quoting due to increased hazards such as; wood shake roof, high risk brush zone, a prohibited dog breed, ect. These types of increases in hazard could potentially result in minimal options between home insurance carriers.

What you need to know about when getting a California Homeowner Policy

When insuring a home in California the amount of dwelling coverage needed is the amount that it would take to rebuild the home. The amount that it cost to purchase a similar home or the amount that is owed on the current home should not be taken into consideration in any way.

Although in some areas across the state, especially in many parts of Northern California, home can be purchased starting at approximately $80 per square foot, the rebuild cost for many average quality homes is $150 per square foot. If a consumer were to insure their home to the purchase price and suffer a total loss, they could potentially be considerably underinsured and have to pay for many expenses out of pocket.  

Join the thousands of California consumers that have saved by switching to SavePro Insurance Solutions. Call today for your free policy review 530.923.2930 License 0G13612

 

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You can request a quote online today for many of the policies that we offer or you can call in and speak with a licensed representative at 530-923-2930. Join the thousands of clients that have switched to SavePro Insurance Solutions. Our licensed reps are here to help serve you for all of your California Insurance Needs!!

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