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For most people in Arkansas their home is their biggest investment and their most prized asset. It just makes good sense to protect something that valuable with insurance.

Even though you want to save money and get the most affordable homeowner's insurance you possibly can, do not skimp on the size of your policy. You need to talk with a contractor or a good real estate agent and learn the facts about how much it will actually cost ' in today's dollars ' to rebuild your home from the foundation up if there should be a disaster.

You want your policy amount to cover the full rebuilding cost of your home and you want it to cover the value of the contents of your home ' but do not insure for the value of the land that your home sits on. Many people make this mistake and it can cost them thousands of wasted dollars over the course of several years.

The vast majority of the savings you can easily realize on your homeowner's insurance will come from making your home more fire safe and more burglar proof.

Make sure all weeds and brush are cleared well away from any buildings on your property ' make sure they are clear for at least ten feet.

Outdoor motion-sensitive lights can deter burglars and lower your homeowner's insurance premium.

Trim all bushes around windows and doors so that potential burglars have no place to hide while they do their work. Make certain every single outside door on your home has a deadbolt, and get in the habit of using the deadbolt even if you just step out to the grocery store in the middle of the day. Most burglaries take place during the day and not at night as most people think.

If you can afford a home security system that monitors your home 24/7 for fire and break-ins the cost can be at least partly offset by a reduction of as much as 30% in the monthly cost of your homeowner's insurance.

Make sure you have the prescribed number of smoke and fire detectors and make sure that they are all working and have fresh batteries. Change the batteries every time you change your clock forward or backward an hour.

Buy a fire extinguisher that is made for the kitchen and keep it in a handy place.

Great! Now it's time to go online and make comparisons between different homeowner's insurance policies at different insurance companies. Don't fall into the trap of thinking that every comparison website allows you to compare all of the different insurance companies. They don't.

If you really and truly want to be certain that you are getting the most affordable homeowner's insurance available in Arkansas then you will need to make comparisons on at least 3 different websites.

It takes a little extra time and a little extra effort, but once you've made the comparisons then you'll know for sure that you really and truly have found the most affordable homeowner's insurance in Arkansas.