Title: How To Get Affordable Homeowner's Insurance In Alabama Word Count: 526 Summary: If you have a mortgage on your home it will come as no surprise to you that your lender requires you to purchase homeowner's insurance. But did you know that almost 90% of Alabama homeowner's who own their homes free and clear still choose to purchase homeowner's insurance? The reason isn't difficult to figure out. For most people their home is their biggest and most prized asset and they simply want to do whatever they can to protect that asset. And well they should. O... Keywords: Article Body: If you have a mortgage on your home it will come as no surprise to you that your lender requires you to purchase homeowner's insurance. But did you know that almost 90% of Alabama homeowner's who own their homes free and clear still choose to purchase homeowner's insurance? The reason isn't difficult to figure out. For most people their home is their biggest and most prized asset and they simply want to do whatever they can to protect that asset. And well they should. On the other hand there's no benefit to paying any more for homeowner's insurance than necessary and so many people are looking for ways to get affordable homeowner's insurance here in Alabama. Remember, too, that while your lender has every right to insist that you purchase homeowner's insurance, your mortgage company cannot legally force you to buy insurance from any particular company. And that is your key to finding affordable homeowner's insurance. There are several things you can do that will drive down the cost of your insurance each month. For example, did you know that if you have a retired person living in your home that you may be entitled to a break on your insurance? Did you know that your credit score affects how much you pay each month for your insurance? It does. So keep your credit good and your credit score high, because the better your credit score the less you pay for your insurance each month. Did you know that the biggest reason for a homeowner's insurance claim is not fire, but water damage? The biggest culprit is either a broken water pipe or a broken appliance connection that floods the house at night or when the home is empty during the day. Ask your agent how much you could save if you made the one-time investment to upgrade your home's plumbing and wiring. If the numbers make sense, then go ahead. Install outdoor floodlights that are motion-controlled and also trim back all bushes away from windows to discourage burglars. Install deadbolt locks on all exterior doors and make certain that every single window has a working lock. A 24/7 home security system that's monitored off-site not only helps to protect you from both fire as well as burglary, it can also save you 20% or sometimes more on your homeowner's insurance - but talk to your agent before installing a system as not all systems merit the full discount on your monthly premium. Purchasing a kitchen-rated fire extinguisher for your kitchen and installing a full compliment of fire and smoke detectors will also help keep your monthly premium cost down. Now, taking what you have learned in this article go to 3 different websites that allow you to compare the prices of homeowner's insurance policies from different insurance companies. Input the same information onto 3 of these websites and then find the company that has the lowest price and which you feel confident will be around for at least another 30 years. And you're done. You have now gotten affordable homeowner's insurance here in Alabama and you can feel confident that you will be saving money month after month and year after year.