·    Make sure you take advantage of every discount you are eligible for. Insurance companies offer many discounts, including discounts to those who insure their home and vehicles with the same company.

·    You can save money if your residence is equipped with smoke detectors and by installing certain home security devices.

·    Raise your deductible. Higher debuctibles could provide savings of up to 30% or more.

·    Maintaining good credit will also help you save on home insurance.  Since insurance companies use your credit history in determining whether to insure you and at what rate, you should get a copy of your credit report to make sure it's accurate.