The first thing I'd like to say here is that the security of your home is very key to getting affordable homeowner insurance rates.
When talking security,some might say they really have a secured home,but there are some things you might just be taking for granted which may actually be the reason you are paying so much.
You should have bolts on every door to the exterior of your home.
Apart from these you should also have window locks on every window of your home.
The reason for this is not far-fetched.
If your home is seen as a home that is likely to be burgled,you will pay higher premiums because your home is considered a high risk.
Always remember that the higher the risk an insurer sees in insuring you,the higher your rates.
So if there is anyway you can reduce or lower your risks then that will be most welcome.
You might want to go a step further by having burglary-proofs on your windows.
You should check how much you've put into the fire-safety of your home.
A fire-safe home attracts lower rates.
Having fire extinguishers placed at strategic positions (like the kitchen) in your home could really go a long way to getting you cheaper rates.
The idea here is that should a fire arise at any time,it will be put out in no time.
These fire extinguishers should be functional and accessible.
Having motion-sensitive lights around your home also reduces the chances of your home being burgled and by extension reduces your rates.
A home that is monitored always by special fire and security systems will be safer to live in and of course will attract more affordable premiums.
Lastly,get and compare home insurance quotes from home insurance sites.
You are doing this because all insurance companies do not have the same coverage plan.
It is important that you also know that the cheapest quote might not necessarily be the best.
You should opt for the quote with the best price to value ratio.
Start saving now.
Here are some great sites for home insurance quotes...