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New homeowners have it rough in the wake of the housing crisis. First, you have to put approximately 20% down to save from having to pay PMIs (gone are the days of putting 2% down). On top of that, you have to pay property taxes and (depending on the type of residence and community) HOAs. Then add homeowners insurance. That's enough to make anyone's head spin! The good news is that you can save on homeowners insurance.

Shopping for Cheap Homeowners Insurance

Regardless if you are a new homeowner or a seasoned homeowner, you should look at competing homeowners insurance rates at least once a year (perhaps when your policy is up for renewal). Simply by shopping and comparing rates, you can save up to 50% in premiums. Get up to eight free quotes here at GuideToCheapInsurance.com. Enter your zip code in the box above to begin.

What Does a Homeowners Insurance Policy Cover?

A homeowners insurance policy typically covers the following:

• Damage to real property (i.e., your home's structure).
• Damage to personal property (i.e., the contents within the walls of your home).
• Additional cost of alternate living arrangements (i.e., alternate living arrangements including hotel and food for a specified period of time, during which your home is deemed uninhabitable).
• Personal liability lawsuits (i.e., protection against non-auto and non-business lawsuits).
• Medical payments (i.e., coverage for medical expenses for those who are injured in a non-auto accident on your property, regardless of fault).