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Homeowners insurance in North Carolina costs more every year, especially for homeowners who live on the coast. Here's how to find cheap homeowners insurance in North Carolina with a reliable company. What Affects the Cost of Homeowners Insurance? Several factors affect the cost of your North Carolina homeowners insurance. If you have already purchased a home, you have no control over some of these factors, such as the: * Construction type * Age of home * Location of home However, you do have control over other factors that affect your premium, including: * Your claims history. Insurance companies look at how many claims you have made in the past and for what amount. If you make a lot of claims, your premium can go up. * Your deductible. The deductible is the amount you pay toward a claim before the insurance company begins to pay. The higher you set your deductible, the lower your premium will be. * The amount of coverage you select. You want enough coverage to rebuild your home and replace your property, but no more. Be sure that you do not include the value of the land itself when you're determining how much insurance to buy. * Protective devices, such as deadbolts, fire extinguishers, burglar alarms, and sprinkler systems. Installing protective devices can help you get discounts on your homeowners insurance. Shop Around for Insurance The best way to keep your insurance costs down is to comparison shop. Insurance rates can vary dramatically from company to company, so shopping around will help you make sure you're getting the best rate. The best way to comparison shop is to go to an insurance comparison website where you'll spend a few minutes typing in your insurance information. Multiple A-rated insurance companies will then send you quotes to review and compare. On the best insurance comparison websites, you can even talk with insurance experts about more ways to save on your homeowners insurance, and get answers to any insurance questions you may have (see link below). Visit http://www.LowerRateQuotes.com/homeowners-insurance.html or click on the following link to get Illinois homeowners insurance quotes from top-rated companies and see how much you can save. You can also get more insurance tips there. The authors, Brian Stevens and Stacey Schifferdecker, have spent 30 years in the insurance and finance industries, and have written a number of articles on getting cheap homeowners insurance in North Carolina.
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