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How to get the lowest rates on home insurance

Homeowners who guard against theft, accidents and other losses can often get lower insurance rates. Here are some things you can do to help qualify for lower premiums:

Secure your home with dead bolts and window locks.

Install a security system with outside signal and connection to local police.

Install and maintain smoke detectors.

Install a sprinkler system for fire.

Install a fire alarm that automatically alerts the local fire department.