If you’re looking to lower the home insurance premium of your current home, there are a few things you can do such as asking to increase your deductible in case of a claim, improving your credit score or bundling up all your insurance policies with the same company and asking for a discount. You can also decide to renovate your home or add safety features that will help you lower your home insurance premium. If you want a lower home insurance premium while still house hunting, your best bet is to find a property in a zone that is not classified as high risk for natural disasters such as floods or earthquakes as these zones bring higher premiums.