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Looking for high risk homeowners insurance? Want to get the cheapest rate with a reputable company? Here's how to do it. High Risk Homeowners Insurance High risk homeowners insurance is a classification of insurance given by an insurance company for the following reasons: * The home being insured is in an area that's prone to natural disasters such as forest fires, floods, tornadoes, and hurricanes. * The home being insured is in a high crime area. * You or the previous owner of a home have filed a number of insurance claims. Filing two or more claims a year will put you in a high risk category. * You have a bad credit rating. Get Cheap High Risk Homeowners Insurance Because high risk homeowners can vary by $1,000 or more from one company to the next, the best way to get the cheapest high risk homeowners insurance is to comparison shop. You want to go to an insurance comparison website where you can get rates from different companies. Here you can get quotes, compare them, then choose the best one. Some of these sites even have an insurance professional on hand to answer any questions you may have through an online chat service or by telephone. (See link below.) Money-Saving Tips To save even more money on your high risk homeowners insurance, get the highest deductible you can afford. This can save you as much as 35% on your yearly premium. The difference you pay in cheaper premiums over time will more than make up for the deductible you have to pay toward a claim. Consolidate your insurance. Purchasing your homeowners insurance and your auto insurance through the same company can save you up to 30% on your yearly premiums. Check your credit report to see if there are any errors, then have them corrected. If you have bad credit, work on improving it. If you live in a high-crime area, find out if you can get a discount for installing dead-bolt locks, window locks, burglar alarms, security screens, and window bars. Ask your agent about any other discounts you may be eligible for, then take advantage of them. Visit http://www.LowerRateQuotes.com/homeowners-insurance.html or click on the following link to get high risk homeowners insurance quotes from top-rated companies and see how much you can save. You can get more insurance tips in their Articles section. The author, Brian Stevens, is a former insurance agent and financial consultant who has written a number of articles on high risk homeowners insurance.
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