Home insurance can be cheaper if you bundle it with other forms of insurance such as RV, life, boat, car, and more with the same company.
You may also receive a discount if you haven’t made a home insurance claim over a certain number of years once you have the policy and you can get discounts for lowering your risk of claim by making your home safer.
For example, you may get a discount if you’ve installed a security system, a fire alarm, or a carbon monoxide detector.
The same goes for if you live in a gated community (reducing the risk of break-ins) or you installed an impact-resistant roof and generally made home improvements to make your home stronger.
Plus, like other products, home insurers offer an early-bird discount if you purchase home insurance right away when you first purchase your home.