Thanks to its celebrity status and a constant barrage of earthquakes, California is graced with having among the highest home and real estate costs in the United States. The need for earthquake insurance alone is enough to skyrocket prices.

Fortunately there's plenty of ways residents can drive down the price of California home owner insurance. By following some of the provided tips you may deduct your monthly bills by as much as 30 percent.

First, make sure you aren't paying more for insurance than you have to. Many an owner has paid much more than necessary because they factor the cost of their land into their calculations. Land in California, for the most part, won't need to be insured. Only the rebuilding costs and the cost of contents of your home should be taken into account when choosing a policy.

Buying online will probably save you wads of money on California home owner insurance. Not only can you collect multiple quotes very quickly from a variety pf companies, but these companies are usually exempt from many of the administrative costs relegated to face-to-face companies. Such online companies will invariably pass the savings gained on to their customers.

Installation of a security system in the home to ward off burglars is another viable cost-reduction method. This also includes smoke alarms for detecting any fires. Both security systems should be linked to a 24-hour, monitored call centre.

Be sure to get all forms of insurance from one company. Most companies offer multiple services that, when bought in conjunction, will doubtless afford the owner a discount. Given the costs of living in California, that's a definite bonus.

Don't forget, too, that when an owner is paying the deductible on California home owner insurance they can raise the amount of the deductible and lose an extra 30 percent on their premiums. An extra $500 during deductible time can go a long way in saving you money.