Shop Around:
Compare home insurance quotes. There is always a difference in price between home insurance companies. By shopping around you get to compare home insurance quotes to determine which is the best coverage for the lowest cost.

Shop on the Internet:
Most home insurance providers now offer good discounts for quoting the policy on the Internet. By shopping for your home insurance quote online, you are saving the insurance company money. This saving is then passed on to you in the form of a discount for quoting home insurance online.

Choose a higher deductible:
To reduce your home insurance premium, it is best advised to increase the deductible. Your home insurance premium may decrease if you increase the deductible from $500 to $1000 on your home insurance policy.

Multiple insurance – Same provider:
If you consolidate your home insurance and auto insurance with one home insurance company, expect a premium reduction. This also means you are making one payment for all your insurance needs.

Home security improvement:
All home insurance companies will offer you a discount for burglar alarms and smoke detectors. Homeowners with fire and burglar alarms that communicate with a third party monitoring company receive a higher discount on their home insurance premiums.

Construction type:
The construction of your home is an important part of determining your home insurance premium. A wood frame home will cost more to insure than the one built mostly of concrete.

Fire station location:
If you live less than 5 miles from the nearest fire station and less than 1,000 feet from a fire hydrant, you can expect a lower premium on your home insurance policy. Make your insurance company aware of your location to the above-mentioned, and expect a lower home insurance premium.

Discount for non-smokers:
Some home insurance companies will offer a non-smoker discount. Check with your home insurance company if they offer a non-smokers discount.

Claims free record:
If you have not had a claim under your current homeowner’s policy for the past 3-5 years, you should receive a discount.

Shopping on the Internet:
This is not a mistake. The best way to save is to get you home insurance quotes online and compare prices. This is why it has made its way on our top ten ways to save list twice.


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