Is there anyone who does not appreciate good California home insurance coverage at highly competitive rate? If you apply the suggested insurance basics below you will be able to save a great deal.

If you are a dog lover, then it is time for you to reconsider your options; it has been estimated that 33% of the insurance claims made against third party liability is for dog bites. Therefore, if you own a dog then your insurance value for your California house is likely to go up. If possible do not keep a dog at home, if you cannot avoid keeping a dog then make sure that your dog is properly restrained and cannot hurt anyone. If you consult your agent he will be able to help you on how to keep your dog and yet get discounts.

Fire detectors at strategic places of your home at California will fetch you good discounts on your California home insurance as this reduces fire related risks for you and for the insurance company. When fire is noticed when it starts, lot of damage can be avoided.

If you are a non-smoker you can claim for additional discount as smoking can initiate fire accidents in home. It has been recorded that several thousands of fire accidents are related to smoking in California. If you are a smoker and if you quit smoking then you can claim this non-smokers benefit if you restrain from smoking for a minimum of 12 months.

If your California home insurance company does not have non-smokers discount then start shopping around for a company that will give you this discount.

If you live in hail storm prone area then having shatter proof glasses for your windows will bring you a reasonable discount. If at all you make any such changes, renovations, repairs to your house make sure that you keep your agent informed so that you will be able to get the appropriate discounts based on that.

You will easily be able to get a number of discounts from your insurance company and reduce the final premium value considerably.