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Almost every homeowner wants to protect his or her home. After all, your home is probably your most valuable asset and it makes perfect economic sense that you would want to protect it.

Still, no one wants to pay more for their homeowner's insurance than they have to. Everyone wants to know how to get affordable homeowner's insurance in Mississippi.

Fortunately there are several things you can do that should help to lower the cost of your homeowner's insurance each and every month.

Anytime you make changes or improvements to your home or your property you need to inform your insurance agent so that the proper adjustments can be made in your monthly rate.

For example, something as simple as filling in all the potholes on your property and replacing any broken or buckled cement walkways should be reported. Also be sure to replace any lose or broken floorboards on decks or porches and make certain that all deck railings are secure.

Trim bushes away from windows and install motion-detecting lighting to discourage burglars. Continue by installing deadbolt locks on all exterior doors and putting locks on every window.

Installing a home protection system can save you 20% or even more on your homeowner's insurance if you choose the right company. Ask your agent which systems will save you the most. And ask your tax consultant if you could add a tax break to that insurance savings, particularly if you have a home-based business.

Broken water pipes which flood a home are the largest single cause of homeowner insurance claims, so upgrading your plumbing system could save you enough each month to more than pay for itself in short order; talk to your agent.

Make sure you have a fire extinguisher specifically designed for kitchens installed in your kitchen.

You must have the proper number of smoke, fire and carbon monoxide detectors in your home and they each must be working. Replace batteries twice yearly.

The larger your deductible the less you are going to pay each month for your homeowner's insurance. But don't go overboard. Remember, if you ever have a claim you will be expected to pay your deductible yourself so don't make promises you can't afford to keep.

Buying your homeowner's insurance online will save you money. To save the most money be sure to make your price comparisons on at least 3 different sites and be absolutely certain that you enter the same information into the forms on all 3 sites. In this way you will be comparing the same policy on each site and your price comparisons will have some real value.

Lastly, decide which companies you feel comfortable will still be in business 30 years from now when you need them and then simply pick the best price you find from among those companies you are still considering.

That's really all you need to do in order to get affordable homeowner's insurance in Mississippi and know that you are saving the most money possible every single month.