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It’s 1,400 miles from New Orleans to Rhode Island, but Rhode Islanders are feeling the effects of Hurricane Katrina as insurers raise prices for homeowners insurance, cancel policies, and refuse new business. So is it still possible to find cheap homeowners insurance quotes in Rhode Island? Yes. Here's how ... Some Background Rhode Island hasn’t been struck by a significant hurricane since Hurricane Bob in 1991. However, millions of dollars in losses caused by hurricanes in the South have made insurers wary. In addition, weather forecasters predict the Northeast is overdue for a major hurricane. With over 400 miles of coastline, Rhode Island has been particularly hit by rising insurance prices, with prices increasing by 10 to 15%. Keeping Costs Down With insurance costs rising, it's important to do everything possible to keep your costs down. You can’t control the path of a hurricane, but some factors you can control include: * Hurricane-proofing your home by installing stronger garage doors, impact-resistant windows, and hurricane shutters. Talk to an insurance professional about what you need to do to your home to make it safer from hurricanes. * Setting your deductible high. The deductible is the amount you pay toward a claim before the company begins to pay. The higher you set your deductible, the lower your premium will be. Note that you may have a separate deductible for wind damage. * Shopping around. Insurance costs vary dramatically from company to company, so shopping around is essential to help you get the best rate. The easiest way to shop rates is to visit an insurance comparison website. On these websites you type in your insurance information, and then multiple A-rated insurance companies email quotes for you to review and compare. On the best comparison websites, you can also talk with insurance professionals online or by phone to get answers to your homeowners insurance questions (see link below). Visit http://www.LowerRateQuotes.com/homeowners-insurance.html or click on the following link to get Rhode Island homeowners insurance quotes from top-rated companies and see how much you can save. You can get more tips and advice in their Articles section. 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 quotes in Rhode Island.
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