Here are some steps you can take to ensure you are getting the best Homeowners insurance rates possible for the coverage you need:

• Deductible - Raising the deductible on your Homeowners insurance could produce savings of premium.
•  Upgrades - If you replace your roof, be sure to let your agent know, as you may qualify for a Homeowner policy credit. You may also consider modernizing your heating, plumbing, and electrical systems to reduce the risk of fire and water damage.
•  Security - You can make your home safer by installing a smoke detector, burglar alarm or dead-bolt locks. In addition, you will qualify for a premium credit if you choose to install a sprinkler system, central fire alarm or burglar alarm.
•  Double up - Insureds who have a Farm Bureau Insurance Personal Auto policy and a Farm Bureau Insurance Homeowners, Mobile Homeowners, Country Estate, or Farmowners policy receive a Multi-Policy Credit. Talk to your agent to get the details on this cost-saving credit.
•  Loss History - Before purchasing a home, try to learn about its insurance loss history. If there have been past losses, be sure to inspect the home closely to determine if proper repairs were made.
• Insurance Score - Maintaining a good rating could be to your advantage in lowering your premiums as well. The Farm Bureau Insurance Companies offer the FB Advantage Discount for homeowner and family automobile insurance premium discounts for eligible individuals. Eligibility for the FB Advantage Discount is based upon an insurance score that a consumer reporting agency, LexisNexis, determines from certain financial characteristics.