You should always shop your insurance for the best rate and ask the agent what the company's AM best rating is. If the rating is not A, then do not accept that coverage. Put your auto and homeowner's with the same company and you should receive a credit on both policies. Put in an alarm system. The amount of credit varies by company so beware of how much you put out compared to the credit you will receive.
Some companies give credits for non-smokers.
Some give credit for going 3 or more years without a loss. Be sure to video tape your entire house. If a fire or even a burglary occurs, most people are too upset to remember all the big items, let alone how many pairs of socks and jeans they owned. But when it comes to claim adjusting, the company will want those type of details and if you Videotape, you can hand them the tape and continue in your own assessment without worrying about forgetting something. You'll find hundreds of free articles to help you stretcher your day and your budget.