Do you want huge discounts on your California home insurance? Then read on: There are tips you must take note of and implement if you're really committed to getting big discounts. I'll show you some of them here...

1. You'll save if you get all your policies from the same insurer. This qualifies you for a multi-policy discount. However, you might be better served by getting your policies from different insurers.

2. A house with a swimming pool is something everyone likes having. However, it will raise your rates substantially mostly if you do not have a fence round it. You can, nevertheless, reduce the risk linked with having a swimming pool by taking steps your agents would recommend. Doing otherwise will make you pay much higher rates.

3. More often than not you may choose to do some kind of renovation on your home. No, you're not thinking about insurance at that time. You just intend to make your house fit your taste or just make sure everything works as it should.

Just know that you are qualified for a lower premium once you do this. Make sure you inform your agent and also ask for his or her advice if you want to get a bigger discount for doing this.

Just like for new homes, a policy holder is less likely to make a claim on a renovated home since most things will be in good shape. This means your insurer bears a better risk and this means you'll get a lower rate. But keep it at the back of your mind that the wider the scope of the renovation, the bigger the discount you will get.

4. You'll get remarkable discounts if you install a sprinkler system. They make your home better protected against fire damage and so make your home a better risk. This means you attract cheaper rates. It's slightly expensive so you'll do yourself a lot good to ask your agent what you will save if you have this fixed.