How To Lower My Homeowners Insurance? 
Many insurance companies offer discounts when you bundle multiple lines of business together . Ask your broker if you get a discount for insuring your auto , life , motorcycle , etc. with the same company . The age of your roof -LRB- and roof type -RRB- and how recently you 've made significant improvements to heating , plumbing , air conditioning , and alarm systems factor in to your rate as well . 