It is truly very easy for everyone to find affordable homeowners insurance rates on adequate coverage. You only need the right tips and the discipline to implement what you’ll learn to start enjoying a more affordable rate. Let’s discuss one step you need to enjoy more affordable rates: Make the exterior of your house fire-safe and you’ll bring down your home insurance rate. You’ll be doing the right thing if you don’t have anything that’s inflammable around your home. As easy as it seems, cutting back bushes and keeping them up to 10 feet from your structures will help reduce your rates. The likelihood of fire in a house is one very strong factor that influences your home insurance rate.