Listen Up If You Want To Learn How To Lower Your Homeowners Insurance

March 2nd, 2022

Purchasing a home is one of the biggest decisions a Chico person will make in his or her lifetime. It is a substantial investment, but a necessary one. However, the venture can prove to be quite expensive in a lot of ways. For instance, to begin with, the buyer typically has to come up with a hefty down payment for the mortgage company. Then, there is the matter of paying the installment each and every month. As if those things weren't enough, there is still more.

(( homeowners also have to deal with the costs of maintenance and upkeep. After all, nobody wants to sit idly by and watch as their house crumbles around them. Of course, one cannot forget the little matter of obtaining a homeowner's insurance policy, either. The coverage can be a bit dicey, and many times, it never even has to be used. However, not having it could turn into a nightmare in a hurry if a disaster strikes.

Therefore, persons should avoid skimping out on this type of coverage. Still, though, times are tough, and it can be challenging to cover the monthly expense. Luckily, there are several things folks can do to lower the fee, though. Hence, curious Chico residents should read on to learn all about them. 

Install A Security System

Many insurance agencies have programs that provide their clients with discounts when they add devices that safeguard the property. Depending on how fancy the person decides to go, they could save anywhere between 15 and 20-percent. It is a good idea to speak with your insurer ahead of installing the equipment to discover how much money you can save in total. Some of the pieces that could produce the maximum savings amount include but are not limited to...

  • Surveillance Cameras
  • Motion-Activated Lights
  • Window/Door Sensors
  • Alarms
  • Keyless Locks 

The Neighborhood Could Make All Of The Difference In The World

People that are on the verge of buying a new home should keep a few things in mind. Premiums might vary depending on where a place is located. For example, those who purchase a house, townhome, or condo in a gated community are likely to have low rates. Meanwhile, a consumer that buys in a high crime rate area, with no fence, or anything else to keep trespassers at bay are going to pay more. So, just know that location plays a role in the cost of homeowner's insurance.

Storm-Prone Areas Might Equal Higher Insurance Prices As Well

Nobody wants to deal with natural disasters like floods, tornadoes, or hurricanes. Yet, the events happen from time to time, and they can leave a path of destruction behind in their wake. Unfortunately, people that live in high-risk areas often pay more for homeowner's insurance. However, there are some steps that they can take to lower those costs. For instance, they can add storm shutters, pump stations, or reinforce the roof to receive discounts.

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What Our Customers Say

"I had the Alibi system installed several years ago. It has functioned flawlessly. The image quality is exellent both night and day and in all weather conditions. I particularly like the replay (which can be set at various speeds) and zoom functions of the system. Tech support from Crimefreeliving has been excellent. I have received quick responses to questions, and timely home visits — as when I changed IP carriers and my Alibi system needed to be reset. I have recommended Crimefreeliving to several friends."


"As a small business owner here in Chico we definitely saw the need for video surveillance. After expressing our needs and concerns Tim did an excellent job getting us set up with the set up with the appropriate equipment. He really took the time to address our concerns in a very friendly, professional and knowledgeable manner. I highly recommend Tim for all of your business and residential video surveillance needs."

Ron H., Owner/Auto Doctor

"I have to say I love having my security cameras at my home. Tim Truby did a wonderful job of installing the five cameras. He is very neat and cleaned everything up after the installation. He explained to me how to operate the monitor, my phone and IPad. However, I have had to call Tim because I'm not tech savvy and forget what he has told me. He usually just helps me over the phone and then all is well. I'm 80 years old and enjoy the comfort of knowing I have these security cameras."


"Tim Truby designed and installed a 32 camera system for us here at the Butte County Mosquito and Vector Control District. We had received several other quotes from security system vendors, but Tim’s quote was the least expensive. Tim also installed the system quickly and has always been available when we needed him. We are very happy with our security camera system and we can highly recommend Tim Truby for all of your surveillance system needs."

D. Weseman, Butte County Mosquito and Vector Control District

Crime Free Living updated our old video system with a new 16 Channel HD Alibi Video Security System. The old system had been added onto by different installers which resulted in a cabling mess. There were cables that worked and cables that went nowhere. It was a mess. Tim sorted it all out and installed cameras that are very clear. He also installed a monitor for our cashiers to watch hidden areas, a monitor to watch the entry door, and a monitor that allows employees to watch the outside parking and gas pump area. All work was done on time and very professional! Will always recommend Tim and Crime Free Living.

S. AM PM Chico Arco Station

"I had Tim install an Alibi Video Security System at my residence and a couple business locations. The remote view option is invaluable to absentee owners or anyone who travels a lot. The clarity and quality of the cameras have allowed for viewing employee theft. The evidence provided from the HD video cameras was fantastic! Tim was professional and provided extra value from his law enforcement background."

J. Folsom Arco Station

"Tim, I want to thank you again for doing such a fantastic job on installing a wireless IP security camera system at our dream home. The extra time that you took to hide wires, and install a clean, professional system is much appreciated. I still can’t believe the clarity, quality, and ease of use of this new system. I wished that I would have met you before our original inferior system was installed by another company. Now, whether I am at home, or monitoring the system from around the world, I know that my home and family are safe and sound."

John M.

"In April of 2017, my husband and I made a phone call to Crime Free Living that turned out to be a smart and wise decision. Amazingly, in just a few hours, Tim installed four Dome Security Cameras, weatherproof enclosures, and hooked up into our home a 23" Full HD Widescreen Security Monitor. Even more than his professional expertise was the time spent with us in making sure that this system was working correctly and properly installed on our phones so that anywhere in our travels we can monitor our new home in Magalia."

Tieka and Don S.

"I have been using Crime Free Living for the last couple years ar work and at home and I really recommend this product. Tim is a very good service provider. If he can't figure it out, he's got good tech support with the system that he offers."

Gary D.

"I have known Tim for over 10 years. To date, Time with Crime Free Living has installed two separate surveillance systems for my company. With each system, Tim has listened to my needs and custom dsigned surveillance systems for my specific needs and within my budget. The equipment used is always state of the art, the workmanship is top notch, and Tim is the example of trustworthy. I would recommend him for any job."

Steve D., Down Range Indoor Training Center

images Certifications & Training

With 16 years of experience in law enforcement, Tim Truby, CEO, is fully certified in video surveillance and training.

  • Certified Advanced Crime Prevention Specialist
  • Academy Instructor Certification
  • California POST Certification in Specialized Surveillance Equipment
  • California POST Certification in Basic Crime Prevention
    • Advanced Crime Prevention through Environmental Design
    • Certified Alibi Security Dealer
    • Enhanced Risk and Threat Assessment (FEMA)
    • Incident Command System (100 & 200)
    • Certified Cognitech Video Forensic Investigator
    • Neighborhood Watch Toolkit Trainer
    • Computer Crimes/Investigations
    • Domestic Crisis for Crisis Negotiators