Insurance companies that offer homeowner policies in Washington State have to be careful of how substantially your credit history can affect your insurance rate. Although it can play a part in determining the premium you'll be expected to pay, it's much less a factor than in many other states. This may offer some relief to an individual who has a less than stellar past and wants to obtain home insurance. However, many other factors play an important role in how affordable your rates ultimately will be.

If you want to enjoy affordable home insurance rates, consider these points:

Before you even purchase a home, have it inspected. If you buy a home and then find out it has structural damage or poses a fire risk, you'll have to pay higher insurance costs. Finding out beforehand can save you a lot of money.

Ask about discounts for safety equipment. Many homes have smoke alarms, as well as carbon monoxide detectors, fire extinguishers and automatic sprinklers. Any and all of these things can help lower your home insurance rates. If you don't already have them in place, consider investing in them.

Find out what the minimum required deductible is through your mortgage company. Many mortgage companies set a minimum deductible that must be honored. If you choose an even higher deductible you'll typically save on premiums.

Some insurance companies offer a more affordable rate if you have documented your belongings. Ask your agent about his discount.

Regardless of who you look to for homeowner's insurance in Washington State ensure you've got enough coverage to replace everything. Most people underestimate the value of the things they own, don't make this mistake. The money saved on a lower premium in relation to that now, won't help when you realize you can only replace a portion of your things after a disaster.