The more you strengthen your home to withstand disasters the cheaper your California home insurance rates will be. You can make this happen by taking all the inevitable precautions against fire and burglary as well as the following depending on where you reside: a. If you live in an area that is so susceptible to high winds, you will save much by having storm shutters. b. You will also be better off in windy localities if you use heavier roofing material. c. If you reside in a state where earthquakes are a threat, you’ll save if your home is retrofitted for earthquake protection.  d. For folks who have trees on their compounds, you will save yourself in home insurance premium if you ensure that you cut off every dead or dry branch since these can easily lead to liability claims. e. It is also recommended that you ensure no trees come to your structure. This is because tree branches over or close to structures could easily cause extensive damage if they fall off for any reason. It could also lower the durability of your roof depending on the material it is made of.