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Looking for homeowners insurance? Want to get the cheapest quotes you can? Here are the six best ways to help you get the cheapest homeowners insurance quotation.

1. Consolidate Your Policies

Placing your homeowners insurance and car insurance with the same company can save you up to 15% on your yearly premium. Plus, you get the added benefit of having to deal with only one company.

2. Raise Your Deductible

The higher your deductible, the lower your premium. Most homeowners have a $500 deductible, but if they raised it to $1,000 they could save up to 20% on their yearly premiums. Over the years this can add up to significant savings.

3. Only Insure Your Home

You homeowners insurance coverage should not be based on the assessed value of your home because that includes the value of your land. You only need to insure your home, not your land.

To find out what your home is worth, call a local builder and ask him or her what construction costs per square foot ar (more...)

Thousands of women with family histories of breast and ovarian cancer could pay higher insurance premiums or even be denied cover altogether under new proposals from the insurance industry.

The Association of British Insurers (ABI) is expected to lodge an application for permission for its members to ask women whether they have been tested for the BRCA1 and BRCA2 mutations.

The faulty BRCA genes are responsible for about five per cent of the 41,700 new cases of breast cancer and 10 per cent of ovarian cancers diagnosed in Britain each year.

If the insurers are granted permission by the Genetics and Insurance Committee (the organisation that advises the Government on the issue), women who have tested positive could be forced to pay higher premiums. Some companies may even refuse high value life or critical illness insurance.

A notice published on the GIC s website said, “The Committee expects that the Association of British Insurers will submit in late 2006/2007 four revis (more...)