Homeowner's insurance is designed to protect a person's biggest asset ? their home ? and its contents in the event of a disaster. Homeowner's insurance does not offer any insurance protection in case of flooding and certain types of wind and earthquake damage may be excluded or restricted, so it is important that you make arrangements for other types of insurance if necessary.

In the vast majority of cases, homeowner's insurance protects a home from fire and burglary, so if you wish to get cheap homeowner's insurance online in Arkansas you must first take the time to make sure that your home is as fire and burglar-proof as possible.

Let's start by removing the most obvious fire danger first ? cut back all weeds and brush at least ten feet away from all buildings on your property. Flammable liquids, such as gasoline, must be properly stored and kept away from any open flame, such as those used on most water heaters.

Install outdoor motion-sensitive lighting to deter burglars. Trim all bushes away from windows so burglars have fewer hiding places while they are doing their business.

If you can afford an electronic monitoring system for fire and burglary you may be able to save up to 30% on your monthly homeowner's insurance premium.

Every outside door needs a working deadbolt lock and every window, regardless of what floor it is on, needs a working lock.

Inside your home you must have the required number of smoke and fire detectors and they must be properly mounted and working. Batteries need to be replaced twice yearly. Many people choose to replace batteries each time they change their clocks ahead or back an hour.

Purchasing a fire extinguisher specifically designed for kitchen fires and keeping it handy in your kitchen can also reduce your homeowner's insurance premium.

And, as crazy as it might sound, keeping your credit history clean will also keep your homeowner's insurance premiums down. The higher your credit score the lower your monthly premium.

One last thing. You want to insure your home for its full replacement value and for the full value of its contents ? but do not make the mistake of paying for homeowner's insurance on the value of the land that your home sits on ? the land does not need insuring.

O.K. Now you know what you need to do in order to get cheap homeowner's insurance online in Arkansas ? so now it's time to actually get online and start making those comparisons.

Don't get lazy and think that you only have to fill out the form on one site. Wrong. Each site only compares a handful of companies. If you're really serious about finding the absolutely lowest possible price for your homeowner's insurance you're going to have to take the extra time to make your comparisons on at least three different websites ? and then pick the best price you can get.