How Can I Reduce My Homeowners Insurance? 
The first step would be to recalculate the value of the residence as this is the basis for the premium . Many homes have more insurance than necessary . The second step would be to increase the deductible . Home owners claims are rare ; consider the impact of an increased deductible . I do not recommend reducing any limits , particularly liability limits unless your recalculation shows that the home can be rebuilt for less . 