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If you're looking for cheap home insurance companies, they're out there and they want your business. The best place to find them is online, but before you start your search there are a few things you should know that could help you save money even before you get online.

For example, if you install motion-sensitive floodlights on your property, make sure every exterior door has a deadbolt and see to it that every window, regardless of what floor it's on, has a working lock then you could save 5% or more each and every month. If a retired person 55 or older is living in your home make sure your agent knows about it as this can also save you money every single month.

Paying premiums yearly will save you money. If you can't do that, paying premiums twice a year or even quarterly will save you money. And if you can't do that how about making your monthly payments automatically from your bank account - that will also save you a little each month. Keeping your credit record clean will also save you money when first purchasing a homeowner's policy.

Installing a home protection service that monitors your home 24/7 and reports problems to the policy or fire department will also save you money. Just make sure you talk to your agent before deciding on a plan because some home protection services rate a higher monthly deduction in your premium than others.

Also, if you run a business out of your home ask your tax advisor if a portion of the home security system could be a tax write-off - adding a tax saving to your premium savings could just make everything work for you.

When deciding how much insurance you need remember not to include the value of the land under your house. The land doesn't need insurance. Only pay for enough insurance to rebuild your home from the foundation up and to replace the contents of your home if they are lost. Install the required number of smoke, fire and carbon monoxide detectors in your home and always keep a fully-charged kitchen-rated fire extinguisher in your kitchen.

If you currently have a $500 deductible on your policy consider increasing it to $1,000. Doubling your deductible in this way can save you as much as 25% each and every month, and that can add up very quickly.

Now, using the information you have learned from this article find a minimum of 3 different websites that let you compare prices of home insurance head-to-head. Just make sure you don't get lazy and try to rely on just 1 site. If you want to be sure you are seeing the widest range of prices possible you'll want to make your comparisons on 3 different sites.

Once you've done that then all that's left is for you to pick the best price you have found from a company you feel confident with - and then celebrate! Because you now know exactly how to find cheap home insurance companies and how to save money month after month on your homeowner's insurance.