Your homeowner's insurance premiums are based on several factors, including your location, your claims history, the value of your home, and information about your policy, like your deductible amount.
Talk with your agent to make sure you are getting the correct discounts. Using the same insurer for your auto and home policies may trigger a multi-policy discount.
You may be eligible for wind mitigation discounts if you take measures to protect your home and roof from wind-related damages.
Your agent may also suggest you increase your home insurance deductible to help lower your homeowner's insurance premiums. Make sure you can easily cover your deductible with your savings if you need to make a claim. Insurance companies typically subtract the deductible from a claim.