Reducing your home insurance premiums is something you can take an active step toward, by:
- Installing smoke and CO alarms
- Installing a home security system
- Opting for a higher deductible (a higher deductible means you will pay less for your monthly premiums, but will have to pay more out of pocket when you make a claim)
- Bundling the policy with other insurance policies from the same provider
- Maintaining good credit
Making your home more disaster resistant (area dependent)