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Home owner insurance is not always required. If you live in a home you own out right, with no lenders or financers you probably are not required to purchase a home ownerís insurance policy. Therefore, you can avoid that extra insurance bill every month. Good for you, right? Wrong.

Home ownerís insurance may seem like just another monthly bill; however, if you find yourself in a situation in which youíve been robbed or your home has suffered water damage, fire damage, or any kind of damage from weather elements, those extra monthly insurance bills will suddenly seem like a wise idea. And, if your neighbor comes knocking at your door one day, only to fall down an icy stoop? Well, those extra monthly insurance bills will suddenly seem like an even wiser idea.

So, how can you get a cheap home owner insurance quote to protect yourself from tragedies and accidents? Itís simple, really ñ you just need to know how to cut corners; and I donít been in a Scrooge-like, penny pinching way.

First, make indoor home improvements. This means checking out your electrical system, which could make your home a fire hazard, and plumbing system, which could make your home susceptible to water damage. Consider installing durable windows and sturdier locks. A safety alarm system isnít a bad idea, either.

Next, make some outdoor home improvements. Fix any creaky steps, loose stones or concrete in your walkway, loose shutters and shingles, and get rid of any scrap metal you plan to build something with, but neighborhood kid might want to use as a plaything.

Finally, store all of your very precious and irreplaceable valuables in a safety deposit box in the bank. Period.

Making these safety changes will show home owner insurance companies youíre serious about keeping your home, your family, your valuables, and your visitors safe, thus encouraging them to give you a cheap home owner insurance quote.