Do you know the impact of that stuff you really love on your ability to get really affordable California homeowner insurance? For example, everybody wants to own a beautiful swimming pool. Nevertheless, it will increase your rates considerably especially if you do not have a fence round it. Although you will pay more expensive rates if you have a swimming pool, you can reduce what you’ll pay by having a fence around it or taking other safety measures. Doing the contrary will make you pay much higher rates. If you need more tips on things to do, take some time out to discuss with your agent.