1. Have special fire and security systems that alert fire stations, police stations or other monitoring center. Not only will you enjoy a big discount, you will also feel safer bearing in mind that your house is always monitored. This can lower your premium by more than 25% depending on your insurance carrier.

2. There's the chance that you could spend less for home insurance if you spend time to go through your policy either whenever there is much change in your house or just always once of twice anually. The value of a diamond ring might have dropped by a huge margin and so require that you review your coverage.

Reduce your coverage by the same percentage if it has dropped in value and as a result you will save and still have sufficient coverage. Nevertheless, bear in mind that a review could also show that it is now valued a lot more and so require that you add to your coverage. Whichever way it goes, your best interest is being protected in either savings or ensuring enough coverage.

3. Make sure you don't leave ladders lying around. You might be providing thieves with the very equipment they need for their activity. In the same vein, don't forget your tools or machinery on the lawn. They also make breaking and entry a lot easier for thieves. All such things will ultimately add to premium if you do not keep them in the properly.

4. Having your premium removed automatically from your account will get you more affordable premiums. Just tell your bank that you intend to set up an EFT (Electronic Fund Transfer) in favor of your insurance provider. This is strongly advised because of how easy it is and the fact that it gets you a discount.

5. Your rates will be cheaper if you do routine maintenance of your home. Do you have dead branches on trees on your property? What would happen if any of them falls off at the wrong moment? Such a good maintenance culture would reduce your home insurance premium.

6. You will save a lot of money in home insurance if you get and compare home insurance quotes from insurance quotes sites. You'll realize savings if you go to just one quotes site. But keep this in mind, you'll get better results by visiting at least five. The straightforward logic in this is that you'll obtain a greater number of home insurance quotes from many more insurance companies. This raises your chances of getting better offers.