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You want the best protection possible for your home, but you also want the lowest homeowners insurance rate. Is it possible to get both great coverage and great rates? Absolutely! Just follow these tips to find cheap homeowners insurance today. Raise Your Deductible The deductible is the amount you pay toward any insurance claims before the insurance company begins to pay. By setting your deductible as high as you can afford, you will lower your premium. In addition, you will be more likely to take care of small claims yourself: remember that submitting too many small claims can cause your premium to increase, and may even cause your insurer to cancel your policy. Get All the Discounts You Can Discounts can lower your insurance premium even more. Common homeowner discounts include ... * Non-smokers discount * Discounts for safety features such as smoke detectors, sprinkler systems, alarm systems, fire extinguishers, and deadbolts * Senior citizen discount * Auto/home discount Ask your insurer if there are any other discounts you might be eligible for and include them in your policy. Compare Rates by Shopping Online Insurance rates can vary dramatically from company to company. You can save hundreds of dollars a year just by taking a few moments to comparison shop for homeowners insurance. And a few moments, literally, is all it takes if you go online to an insurance comparison website. On such a website, you will spend just a few minutes typing in your insurance information. Once you submit this information, A-rated insurance companies will begin to send you quotes. All you have to do is look over the quotes and select the best one for you. And if you have questions at any time, the best insurance comparison websites let you talk with insurance experts to get quick, accurate answers to all your questions. Visit http://www.LowerRateQuotes.com/homeowners-insurance.html or click on the following link to get the lowest homeowners insurance rates from top-rated companies and see how much you can save. You can get more tips and advice in their Articles section, and get answers to your questions from an insurance expert by using their online chat service. The authors, Brian Stevens and Stacey Schifferdecker, have spent 30 years in the insurance and finance industries, and have written numerous articles on getting the lowest homeowners insurance rates.
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