The problem is, if you are serious about wanting to reduce the cost of your homeowner's insurance there are several things you'll need to do around your home to make it less expensive to insure, and it would be a good idea to have some idea of what those things are before you start filling out the forms on several of the home insurance price comparison websites.

For example, did you know that your credit record can affect how much you pay for your homeowner's insurance? Most insurance companies take a look at your credit history and the better your credit score the less you'll pay for your homeowner's insurance.

Fire is a concern for insurance companies and so if you clear all brush and weeds at least 20 feet away from all buildings on your property you should be able to save on your insurance. Also be certain that you have a kitchen-rated fire extinguisher mounted in your kitchen and that you have the proper number of smoke and fire detectors installed and that they each have a working battery.

Burglary is another insurance concern, so anything you can do to make your home burglar-proof should also reduce your cost for home insurance. Start by installing motion-sensitive floodlights. Trim bushes away from all windows so burglars have no place to hide and make sure that every single window has a working lock and that every exterior door has a working deadbolt.

Purchasing a home security system that monitors your home around the clock can save you as much as 20% on your insurance costs every single month. If you have a home-based business you may receive an even higher savings through an additional tax deduction.

Injury-related lawsuits are another concern that home insurance companies have, so replacing or repairing lose, broken or buckled concrete and repairing any lose floorboards on porches and decks should also reduce your cost of insurance.

Water damage caused by broken water pipes inside the home is the main source of claims against homeowner's insurance and so upgrading your plumbing system can save you a bundle. Be sure to ask your agent ahead of time how much you'll save and then see if the cost vs. savings makes it worthwhile for you.

Increasing your deductible will drop the cost of your insurance immediately. Of course you need to consider any increase in your deductible carefully since any time you file a claim you will be required to come up with your deductible out of your own resources.

And, of course, as we said earlier, buying your homeowner's insurance online will also save you money. One of the tricks here is to take your time and make your price comparisons on a minimum of 3 different price-comparison websites rather than relying on the small number of comparisons you'll get if you just look at one site. Also remember to fill in the same answers on all the questionnaires so that you are comparing the same policy on all three sites.

Once you've done that, however, all that's left is for you to decide which companies you feel confident will still be here in several years when you need them and then choose the best price from among the companies remaining. You now know pretty much all you need to know in order to find cheap high risk homeowner's insurance online and save money for years to come.