| Getting the cheapest homeowners insurance rate | | | | amount of coverage you want, the deductible |
| is actually quite easy ... if you know how. Here's | | | | you want, and any discounts you qualify for. You'll |
| how to get cheap discount rates with top | | | | then get quotes from top-rated companies. You |
| companies in 4 easy steps. | | | | can then compare them in the comfort of your |
| Step 1 - Decide How Much Coverage You Need | | | | home, and choose the cheapest one. |
| The first thing you need to do to get the | | | | Step 3 - Get a High Deductible |
| cheapest insurance rate is to figure out how | | | | The deductible is the money you pay toward a |
| much insurance you really need. Here's how ... | | | | claim before your insurer pays. Getting a high |
| To get the amount of building coverage you | | | | deductible can save you a significant amount of |
| need, find out how much it would cost to rebuild | | | | money. For instance, raising your deductible from |
| your home. You can get this figure by asking the | | | | $500 to $1,000 you can save you 15% to 25%. |
| builder who built your home, or a local builder, how | | | | Raising it to $2,500 can save you up to 35%. |
| much building costs per square foot are in your | | | | Step 4 - Get all the Discounts You Can |
| area, then multiply that figure by your home's | | | | Insurance companies offer numerous discounts. |
| square footage. | | | | Some of these discounts include ... |
| For contents coverage, inventory all your personal | | | | * Non-smoker discounts if no one in your home |
| possessions - furniture, appliances, electronics, | | | | smokes |
| tools, kitchen utensils, sports gear, etc. The total | | | | * Senior discounts if you're 55 or older |
| value of your possessions is the amount of | | | | * Security discounts if you have a burglar alarm |
| contents coverage you need. | | | | and deadbolts on your doors |
| Step 2 - Compare Quotes From an Insurance | | | | * Safety discounts if you have smoke detectors |
| Comparison Site | | | | and fire extinguishers |
| In order to get the cheapest quote, you need to | | | | * Multi policy discounts for buying your |
| compare insurance rates from different | | | | homeowners and car insurance through the same |
| companies. The easiest and quickest way to do | | | | company |
| that is to get quotes from an insurance | | | | Your insurer may not tell you about all the |
| comparison website. | | | | discounts you qualify for, so be sure and ask |
| All you have to do to get your quotes is fill out | | | | your agent to tell you about them and include |
| an easy online form with your name, address, the | | | | them in you policy. |