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Buy and install a kitchen - rated fire extinguisher in your kitchen.

Make sure you have the proper number of smoke and fire detectors and that they all have working batteries - batteries must be replaced twice yearly.

What about your deductible? If you can increase your deductible you will decrease how much you pay each month for your insurance. Be cautious, however, because if you ever have a claim against your insurance company you will have to come up with your deductible in cash so don ' t offer to pay more than you can actually afford.
Buy your homeowner ' s insurance online. This will almost always save you money. However, don ' t rely on just 1 of the price comparison websites because each site only compares a few insurance companies. If you want to find the lowest rate possible you ' ll need to use what you learned in this article to fill out the form on a minimum of 3 different homeowner ' s insurance price comparison websites.

Remember that if you want your comparison to save you the most money possible you ' ll need to fill out the form on all 3 websites with the same information.

As soon as you ' ve made your price checks on at least 3 different websites then your job is done and all you have to do is decide which companies you feel comfortable will still be in business 30 years from now and simply choose the best price from among those companies. And that ' s all there is to getting affordable homeowner ' s insurance in Louisiana.