up how much it will cost to replace them. Most policies offer limited coverage for luxury items such as jewelry, furs, and works of art, so you'll need to get a special endorsement known as a floater to cover these items.

* Liability coverage - Liability coverage protects you from lawsuits when someone is hurt on your premises. Most policies offer a minimum of $100,000 coverage, but if you own a lot of assets you'll want to increase this coverage. It only costs about $40 to $50 more to increase it from $100,000 to $500,000.

Best Homeowners Insurance Rates

The easiest and quickest way to get the best homeowners rates is to go to an insurance comparison website where you can get rate quotes from a number of insurance companies. (See links below.)

Once there you'll be asked to fill out a questionnaire so companies can tailor your homeowners insurance to your specific needs. You can also enter the discounts you want.

Two discounts you should consider are:

1. Raising your deductible - Raising your deductible from $250 to $1,000 will save you up to 25% on your yearly premium.

2. Combining insurance - Placing your home and auto insurance with the same company will save you as much as 15% on your premium.

Visit http://www.LowerRateQuotes.com/homeowners-insurance.html or click on the following link to compare homeowners insurance rates from top-rated companies and get the best homeowners insurance at a discount rate. You can get more homeowners insurance tips by checking out their "Articles" section.

The author, Brian Stevens, is a former insurance agent and financial consultant who has written a number of articles on how to get the best homeowners insurance at the best price.

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