Niagara Falls, ON -- (SBWIRE) -- 04/15/2010 -- After several years or lowering home insurance rates in many states, companies are starting to increase their charges. To help in making home insurance more affordable, here are some ways that you can save money on your home insurance that the insurance companies never tell you.

Utilize the Internet
Visit insurance comparison sites such as http://www.usinsurancezone.com that allow you to get quotes from multiple insurance companies. This website allows you to receive multiple quotes from different insurance companies such as MetLife, Fidelity, Infinity, GeoVera, Safeco and much more.

Heighten your security.
Having your home protected with items such as dead bolts, smoke alarms and burglar alarms can not only provide you with a sense of security, but also provide you with up to 5% savings on each item. Many insurance companies also allow you to save a large amount of money, such as 15%-20% off your home insurance if you have a more sophisticated security system. Defender’s Sentinel 502 system comes with four indoor/outdoor night vision cameras as well as online and Smartphone capabilities. This product, as well as many other sophisticated do-it-yourself systems can now be found at BJ’s shopping centers.

Raise your deductible.
If you have a higher deductible of $2,500, you can save up to 30% on your home insurance, however if you experience damage to your home that incurs costs within $2,500, you have to cover all those costs. So make sure that if you do raise your deductible, you are able to afford to pay the cost of the deductible if something should happen.

Get all your insurance from the same company.
Many insurance companies, such as Metlife and Allstate offer multiple forms of insurance, such as life insurance, auto insurance, disability insurance and home insurance. So these companies will often give you a lower price when you get all your insurance coverage from them. The more insurance coverage you have from one company the more deals you will get.

Only insure your home and not your land
Sometimes insurance companies include the value of the land that your home is on when deciphering the cost of your insurance. So, unless your land has valuable items, other then your home on it, it may not be important to have coverage on it.

If you’ve been a customer of your current provider for more than 5 years, you will often get a better offer from competing providers. By following simple steps such as heightening your security, packaging your insurance and even clarifying with your insurance provider on exactly what is being insured can save on your home insurance.