Disasters happen.  Fire, hurricanes, earthquakes, floods, are all too often a part of life today.  With natural disasters and man made accidents not just a possibility, but an eventuality, NetSkrill.com invites you to think of your greatest asset...your home.  There are a number of ways to trim your homeowners insurance costs. Here are a few:

• Combine your coverage. Companies credit your insurance by as much as 10% for insuring both your auto and home.
• Make sure you are receiving all of the discounts you deserve.
• Homeowners discounts are often available for: Smoke detectors and fire alarms; Burglar alarms; Non-smoking households; Updates to your home, such as a new roof, electrical, plumbing or heating system.
• Increase your deductible. The standard deductible is generally $250, but a surprising number of people still carry a $100 deductible. Typically, you can save about 10% just by increasing a $100 deductible to $250.

Do you know in which of these situations your homeowners insurance will cover your loss?

• A foreign army invades the United States, destroying your house in the process.
• A car careens around a curve and drives into your living room.
• A skunk gets into your house and now everything you own stinks.

You're not covered if an invading army destroys your house, but you are covered if your house is either hit by a car or overrun by a skunk.
Knowledge is your best defense as a consumer.  So, when disaster strikes your home, be it in the form of the Russian Army or your neighborhood skunk, you'll know what to expect from your insurance company.

Here's a list of some key question to consider when choosing a homeowners insurance policy:

• How much will it cost me on a monthly basis?
• Are there deductibles I must pay before the insurance begins to help cover my costs?
• What does the policy cover, and what doesn't it?