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Homeowners fire insurance covers your home from far more than just fires. In fact, a typical homeowners policy protects your house from 14 types of disasters: * Fire, lightning, and smoke * Wind, hail, and snow storms * Theft and vandalism * Vehicles and aircraft damage * Riots and civil unrest * Explosions and self-damage (as when part of building falls on itself) Additional Coverages In addition to covering your house from these damages, a homeowners fire insurance policy covers other structures on your property. It also ... * Covers your personal property * Provides liability coverage in case someone is injured while visiting your home * Pays your living expenses if you have to move out of your home while it's being repaired Getting the Best Rate for your Homeowners Fire Insurance Of course, you want all of this coverage for the lowest possible price. Some ways you can keep your costs down include: * Insuring your auto and home with the same company so you can qualify for an auto/home discount * Installing safety features such as deadbolts, smoke detectors, and fire extinguishers so you can qualify for safety discounts * Keeping your credit rating high * Raising your deductible The best way to ensure you get the best rate is to shop around and get quotes from several companies. Quotes from different companies for the same policy can vary by hundreds of dollars, so taking the time to comparison shop is important. The easy way to comparison shop is to go to an insurance comparison website. On these websites you type in information about yourself, your home, and your insurance needs just one time and then several A-rated insurance companies will send you quotes. On the best comparison sites, you can even talk online with insurance professionals about additional ways to lower your premium, and get answers to any questions you may have. Visit http://www.LowerRateQuotes.com/homeowners-insurance.html or click on the following link to get homeowners fire insurance quotes from top-rated companies and see how much you can save. You can get answers to your questions from an insurance expert through their online chat service. The authors, Brian Stevens and Stacey Schifferdecker, have spent 30 years in the insurance industry, and have written numerous articles on homeowners fire insurance.
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