Everyone in their right mind would be quite pleased to discover a way of enjoying more affordable California homeowners’ insurance rates as long as such a way will NOT downgrade the quality of coverage they enjoy. Here is a step that will help you attract reasonable discounts with ease: Having a smoker in your home will raise your rates considerably. And statistics have it that over 23,000 residential fire annually could be traced to smoking. Non-smoking households get better rates than households with smokers. If you were a smoker at the time you bought your policy, you are eligible for a review if you’ve quit. Unless your insurer is among the few that do NOT consider smoking as a factor in calculating your premium, change to another insurer if your premium is not reduced after this.
