How To Cut Homeowners Insurance Costs? 
Placing multiple lines of insurance with the same agent is usually a very good tactic to reduce the price of a specific policy . Increasing the deductible , particularly on homeowners insurance is a sure way to reduce the premium . However , most of my clients find that after a few years the coverage increases raise the policy limits and premium higher than necessary . Your agent can recalculate the replacement cost of your home and this often results in a reduction in coverage and cost . 