Garaged or off-street parked vehicles are less likely to be stolen, vandalized or run into by vehicles. Given a choice, you might look at housing where there is off street or garage parking. It's a fact. If your car gets damaged, you either have to ride around with the dents, or pay the deductible and let the company fix it. Lock your car.
Deductibles save money.
Combine your auto and home insurance with the same company. Like vehicles, there is no coverage difference whether you rent or own a home. If your boat goes from the marina to the water each season, there is no difference where you live. Companies are going to ask where the boats or vehicles will be stored when they are not in use.