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Home owners in Phoenix haven't been immune to the affects of the housing slump as some people have seen property values stabilize and even decline. You can still save on home insurance in Phoenix, Scottsdale, Mesa and elsewhere in the Valley of the Sun. Here are some things to keep in mind.

Make sure your home has the right amount of coverages. You don't need to insure the land your home sits on. Also, though home values may decline, construction costs usually don't. So you want to make sure your home insurance coverages stay up with the cost to replace your home in the event of a loss.

One of the easiest ways to save on your homeowners insurance is to comparison shop. This is because rates vary from one company to the next in Arizona. Most people don't spend any time shopping for a better rate on their home insurance, even though they may spend time shopping for lower gas or grocery prices. By getting a few quotes from different companies, you could lower your property insurance costs by hundreds. And it doesn't take that long.

You can call agents or companies listed in the phone book, or for more convenience, use an online insurance comparison site. This type of site doesn't represent a single company. Instead, agents and companies that do business in Phoenix compete to give you the best value. You simply fill out one quote request form online and get several quotes back. You can then follow-up on the quote you like best.

Also, you can lower your insurance costs through discounts. There are several discounts available that could save you anywhere from five to 20 percent. These include insuring your home and vehicles with the same company, installing smoke detectors and a burglar alarm, upgrading your electrical and more.

Another way to lower your home insurance costs is to increase your deductible. A higher deductible could cut your premium quite a bit. You want to make sure you'll be able to come up with the deductible in the event of a claim. One idea is to put the extra money you've saved from a lower premium into a savings account which you could draw on for your deductible.

Compare home insurance in Phoenix

Writer Justin Scott recommends the free insurance comparison site, LowerYourInsurance.com to get up to 5 free quotes on home insurance in all parts of Arizona. The site also features tips about saving on home insurance.

Home insurance online: Everyone can enjoy high value coverage without paying top price. You only need the right recommendations and the motivation to implement what you'll learn to start enjoying a cheaper rate. Let's look at a few proven ways to get more for a lot less...

1. A house that has shatter-proof windows will make it easier for you to get cheaper premiums. If you live in locations with high winds and hail storms have your windows upgraded to these and you'll get reasonable discounts. And as you do, remember to inform your agent. It may be wiser to discuss this with your agent first to get an idea of what discounts you will be given if you take this step before you commence.

2. Motion-sensitive lighting reduces your home's risk of burglary and, as a result, makes it easier for you to get lower home insurance rates. Burglars understandably do NOT like to operate in any place they could be easily noticed or caught. Because thieves keep off from homes with such lighting, you lower your home's risk of burglary and, by extension, your premiums.

3. A swimming pool is certainly one important feature that makes it a dream home. But as long as your home insurer is concerned it increases a home's risk and therefore brings higher rates.

While I won't tell you to NOT have a swimming pool around your home, make sure you take all necessary safety measures. If you don't your home insurance rates will be substantially higher.

4. If your home's landscaping is done properly it will help reduce your premium. There won't be potholes that could result to injuries and that will reduce your liability claims. Within this context, you'll be saving yourself money while maintaining a more beautiful home. If this was not done properly when you applied, do not forget to inform your agent once you are about to do it.

5. The level to which you strengthen your roof could make you eligible for a discount. Take serious note of this if you are in the East where high winds are more prevalent. You can get recommendations from your agent on how you can strengthen your roof and receive discounts as a result.

6. You can see savings of hundreds of dollars on your home insurance policy by getting insurance quotes from insurance quotes sites. The best method is to visit not less than five sites and making sure that you give the same (correct) details.

I advise that you visit not less than five quotes sites because it will ensure you do not miss out offers not carried by the other sites. This offers you a broader basis for doing more thorough comparisons thus increasing your chances of better quotes.

Here are recommended pages for home insurance quotes...

InsureMe Home Insurance Quotes

Home Insurance Quotes

Chimezirim Odimba writes on insurance.