How Can I Lower My Home Insurance? 
There are ways to reduce your homeowners premium . Especially if the policy has been in force for a few years , ask your agent to get a newer estimate on the cost of reconstructing your residence . The policy often has an automatic annual increase provision to cover the increased cost of construction . This occasionally increases coverage faster than necessary . The one step that I want to discourage you from taking is to reduce the amount of liability coverage . A lawsuit could ruin you financially . 