 TITLE: Why Are My Home Insurance Quotes So High? CONTENT: How to Save on Homeowners Insurance\n-----------------------------------\nWhile the expense of homeowners insurance might be unavoidable, there are some ways to bring down the price of your quote.\n*   **Compare rates.** To land the lowest rate, obtain quotes for comparable coverage from several insurers. Getting a quote doesn't require commitment. It may be worthwhile to compare rates from a few types of insurers, such as online insurance companies and traditional insurers you already do business with.\n*   **Raise your deductible.** When your policy deductible is higher, you'll generally pay a lower ongoing premium in exchange. If your premium quotes are too high, consider selecting a policy with a higher deductible. Just be aware that the consequence is you'll have to pay more money out-of-pocket anytime you file a claim. If you go that route, ensure you have savings so you're covered if you need to pay a larger fee upfront for repairs before your policy kicks in.\n*   **Improve your credit****.** Because insurers in many states review your credit when evaluating your application and setting your premium, taking steps to improve your credit score can help you secure a cheaper policy. Bad credit won't necessarily disqualify you from getting approved for home insurance coverage, but it can result in a higher premium than you'd otherwise pay.\n*   **Bundle your insurance policies.** Many insurance companies offer multi-policy discounts if you use them for other types of insurance, which could knock off a chunk of your bill. Progressive, for example, says customers who bundle home and auto insurance policies save an average of 12%.\n*   **Ask about other discounts.** Some insurers offer additional discounts for various reasons. Ways to qualify for a discount include: if you are over 55 and retired, if you work for a certain company, if you have a home security system or if you update your plumbing or electrical system. END