The cost of your California home insurance policy is determined by a number of factors and the way premiums are calculated often varies from company to company. Californian insurance companies have the legal right to calculate their own rates (subject to Californian Department of Insurance approval), but we can give you some general tips on how to get cheap California insurance.

1. Bundle your insurance. This is often one of the most effective ways of getting cheaper insurance without compromising the integrity of your policy. Purchase your home, auto and if possible, other policies from the same company.

2. Disaster-proof your home. Calamitous weather events are not uncommon in California. Earthquakes, hurricanes and wildfires have all wreaked havoc on the Golden State. Implementing strategies that protect your home from natural disasters may qualify you for a discount on your home insurance.

3. Install security devices. Monitored alarm systems are among the most effective ways to deter burglars. Theft claims cost insurers billions of dollars so companies tend to reward home owners who take steps to reduce the risk of burglaries.

4. Maintain good credit. This goes for any type of insurance. A person with good credit is generally viewed by insurance companies as a reliable, risk-averse person and his or her insurance fees might be adjusted accordingly.

Remember, the pursuit of cheap California insurance should not come at the cost of your policy. Don’t think that you should insure your home for less if the property value decreases. You should be covered for the cost of rebuilding your home, not the current market value of your home.