Comments on: Who has the cheapest home insurance policies in California? http://buytoletbuildinginsurance.com/who-has-the-cheapest-home-insurance-policies-in-california Buy to Let Building Insurance. Home Building Insurance on Buy to Let Property Thu, 09 Sep 2010 15:37:16 +0000 http://wordpress.org/?v=2.9.2 hourly 1 By: wilhelmina http://buytoletbuildinginsurance.com/who-has-the-cheapest-home-insurance-policies-in-california/comment-page-1#comment-4844 wilhelmina Fri, 12 Mar 2010 04:53:02 +0000 http://buytoletbuildinginsurance.com/who-has-the-cheapest-home-insurance-policies-in-california#comment-4844 You get what you pay for. If you are looking just at price, technically California Fair Plan is a good choice. It's bare bones property coverage for dirt cheap. But...it's designed for people who cannot get coverage anywhere else. It's the strip-down, fire-only type coverage. It does not offer liability, and it is generally NOT replacement cost, so you could be shooting yourself in the foot trying to save a buck by underinsuring your house. Just ask those who's homes were distroyed this year. I am sure a fair number of them are regretting looking at JUST the bottom line. If you are looking for REAL coverage, ie: take care of your assets, look around and compare notes. How much are you trying to cover? Do you have discounts available (like non-smoker, over 65, multiple line, fire protection, or even job-related discounts like Farmers offers.) Look in the phone book for agents and brokers in your neighborhood. Get several quotes for the EXACT same, or similar coverage. Then evaluate your options. Skimping now could lead to REAL regret in the event of a catastrophic need. We had several people call in a panic during the wildfires and there was NOTHING I could do to help them then. This site may help you to compare many home insurance companies at once http://best-home-insurance-comparator-usa.blogspot.com/ Hope this help, You get what you pay for. If you are looking just at price, technically California Fair Plan is a good choice. It’s bare bones property coverage for dirt cheap. But…it’s designed for people who cannot get coverage anywhere else. It’s the strip-down, fire-only type coverage. It does not offer liability, and it is generally NOT replacement cost, so you could be shooting yourself in the foot trying to save a buck by underinsuring your house. Just ask those who’s homes were distroyed this year. I am sure a fair number of them are regretting looking at JUST the bottom line.

If you are looking for REAL coverage, ie: take care of your assets, look around and compare notes. How much are you trying to cover? Do you have discounts available (like non-smoker, over 65, multiple line, fire protection, or even job-related discounts like Farmers offers.)

Look in the phone book for agents and brokers in your neighborhood. Get several quotes for the EXACT same, or similar coverage. Then evaluate your options.

Skimping now could lead to REAL regret in the event of a catastrophic need. We had several people call in a panic during the wildfires and there was NOTHING I could do to help them then.

This site may help you to compare many home insurance companies at once
http://best-home-insurance-comparator-usa.blogspot.com/

Hope this help,

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