Frank Gilliam's Site

Looking for cheap homeowners insurance is not for the poor of the few anymore but everyone is looking to cut down on spending, especially in this tough economic climate. The number of people searching for affordable home owners insurance has sky rocked in recent times.

Cheap homeowners insurance, where can I get it?

Getting a reference about a insurance company from a friend of family member is a good place to start, if you are just starting out. If you get a friend referral then you are well on your way. The most important thing you want to find out is if they will pay your claim and pay it in a timely manner, so a word of mouth referral can only go so far.

A quick search online can save both time and money and is the way to go if you have no personal reference from someone.

Prior to doing your search online, write down all your home owners insurance needs. In order to establish your basic minimum insurance coverage you might want to give your load provider a call to find out.All of the above put together will be your basic minimum coverage, this is just the least amount of coverage you can have or can live safely with.
Is your home located in a flood prone zone? Double check to make sure you know the answer you might need flood insurance on your list.

It's now time to get some quotes from a few home owners insurance companies. write out the cost and the kind of coverage and compare apples to apples.

Ask for any promotions, discount offers, rebates or reduced premiums the insurance company may have available. Do not be afraid to ask for discounts.
You may be considered low risk if you have had homeowners insurance coverage in the past and you never had any claims, you can use this to lower your new premiums in many cases.

The best way to reduce your premiums is to do some shopping around. Do not be afraid to get multiple quotes from different companies. They know you are shopping around so do not feel obligated to buy anything.Just because a quote might sound cheap does not make it necessarily ideal for you, look carefully at the coverage and your deductible.
If you can try asking for a higher deducable with a lower premium package.If you should ever have a claim on your homeowners insurance policy you will have to come out of pocket to cover what the insurance won't this is your deducable.So your deducible should not bankrupt you.

Following these tips can have a tremendous impact on lowering your home insurance premiums.

when you get your quotes ask questions, its free and you are under no obligation to buy anything
Home Insurance Quote

Additional Resources:
Insurance Protection