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Contrary to what you might be made to believe, it is quite easy to get really affordable Georgia home owner insurance rates. The two things that stand between you and attracting a cheaper rate at the moment are relevant information and a resolve to use the tips you get — Nothing more. Let’s look at a time-tested way to get this done: You’ll get a lower rate if you agree to pay a higher deductible.

A deductible is the amount an insured is expected to pay before his/her insurance company becomes duty-bound to fulfill the terms of their policy. The lowest deductible normally in home owner insurance is around $250. You’ll easily save about 12% on your premium if you increase your deductible from this minimum amount ($250) to $500. Raising it further to $1000 should get a 24% markdown in rates. The amount you’ll save for each deductible amount will vary depending on your insurance company.