When you buy a new home and move in, the last thing on your mind should be what would happen if a theft or fire occurred. Having homeowner insurance is vitally important regardless of where you live. In Washington State there are a few things a homeowner can do to help secure a discount on their homeowner's insurance and ensure they are working with a reputable company:

?The Office of the Insurance Commissioner in Washington State releases a list of consumer complaints each year. This includes complaints against homeowner insurance companies. Individuals can check to see how their potential insurance company stacks up.

?Insurance companies look at your claims history when they are preparing to insure you. If you've had a series of frivolous claims this can increase the amount of your premiums. Don't ever file a claim with your home insurance company unless warranted.

?Maintain a solid employment history. Many homeowner insurance companies use your record of employment to help determine what type of risk you'd pose. Being stable at your job is a good indicator that you are a good risk.

?Purchase a home in good condition. If you buy a ?fixer-upper? you are likely going to have to pay considerably more in insurance costs. Old shingles, rotting boards and messy yards all pose a risk and therefore premiums will be higher.

Even though you legally need insurance to obtain a mortgage, it should be viewed as something much more important than that. Unfortunately people are losing their homes and belongings to fire and acts of nature on a too often basis. If it happens to you, you don't want to be standing there watching your home being destroyed without insurance to cover the loss. Ensure that you get adequate coverage with a company you can trust.