One important thing that most people have in their possession is their home that is why most people want to protect it by getting homeowners insurance.
However there are those people who wants it but cannot get one for it they believed it to be expensive.
But the truth about most insurance is the rate you're going to get will depend on the coverage you carry the more coverage and policy you carry the more higher your rate would go.
In the case of homeowners insurance the cost of your homeowner insurance will depend on the location of your house, the material used in building your house, deductibles and how well protected is your house from other factors such as fire or theft.
If you know where to find and what to do you can find homeowner insurance that would suit your pockets.
If you cannot find an affordable one then you could lower your premium rates by getting homeowner discounts instead.
There are many insurance companies that offers discount it is up to you to find out if you are qualify for the discounts that they offer or not.
Here are some homeowner's insurance discounts that you could get and some tips about getting it.

• You should ask your insurance agent if there are discounts that the homeowners insurance is offering which you could qualify.
  And ask them the requirements you need in order to get the discounts that you are qualify to avail.
  
• There are home insurance companies that give discount to people who install durable locks in their house such as the dead bolt lock which will make your house more protected from robbers and theft.
  
• Other discount is when you install smoke alarms in applicable rooms and some additional small handy fire extinguisher which will help you in case fire occurs in your house.
  
• Some insurance company will also give you a discount if you install burglar alarm or security alarm in your home.
  
• Increasing your deductibles also helps in lowering your premium rate so you could try increasing your deductible if you want to have a lower rate.
  
• Your homes location can also be a factor that affects your premium rate.
  For if your house is located in a place or area where natural disaster such as hurricane and flood always occurs then you should expect to have a higher and expensive rate.
  The same if your area has high crime rate the insurance company would also charge you with a higher rate.
  So when you are planning to chose a home consider its location.
  
• You also need to choose the material your house is made of for wooden frame house would have higher home insurance compared to brick houses which is much durable.
  

You should not be afraid to ask your insurance agent any questions especially discounts that could help lower your insurance rate.
There are some companies that give you discounts if you install alarm that they approved on so before you go installing alarm in your house you should ask your insurance company first if they only give discount if a specific alarm brand is installed in your house.
Remember to always ask the discounts you are qualified first before you make your move so you can avail it.