Lists Factors Affecting Home Owners Insurance Averages

January 23, 2010 (PRLEAP.COM) Lifestyle News
Before making the plunge and investing in your first home, maybe you're wondering what your average house insurance cost might be. Today, unemployment is at a 26-year high (at 9.7 percent across the country), and homeowners are looking for ways to save on mounting bills. A newly released article by illustrates several ways to reduce home owners insurance quotes.

The article, 'Determining Average House Insurance Cost,' warns homeowners from basing their home insurance costs against the national average homeowners insurance cost, because the amount may vary considerably.

"There are so many variations of average house insurance cost throughout the country," the article says. "There are more than a couple factors that go into determining the average house insurance cost in your area, from uncontrollable external factors such as extreme weather that is known for hitting your region to controllable internal factors such as how you maintain your home."

While there's nothing you can do about the influence of external factors, like weather, on your homeowners insurance costs, you can do something how you maintain your home. Here are several ways you can control and lower your homeowners insurance costs:

1. Protect your home from fire by installing smoke detectors, fire extinguishers
2. Thwart criminals by adding security measures to your home
3. Install storm shutters to reduce wind and storm damage.
4. Fix minor home problems and repairs before they develop into big, expensive ones.

The above are just a few examples; saving money on your homeowners insurance costs can be done in any number of ways. Don't be afraid to ask your homeowners insurance agent what other ways you can save on your average homeowners insurance cost.

For other ways to save and for insurance quotes from up to five local agents, visit