If you want to decrease the premium value of your insurance, there are certain things that you can do. • Increasing your deductible to a significant amount like $1000 can lower your premium by 25% approximately. • You can upgrade your house to make it more resilient to harsh weather conditions. Doing this will decrease the chances of your house getting damaged due to external forces. • Being a loyal customer can help you a lot. The policyholders who stay with the same insurer for five years or more are more likely to get 5-10% premium discounts. • Take good care of your house and do the small repairs by yourself. It can make you seem like a responsible owner with fewer chances of filing a claim and get you to lower premiums.