Some of the factors which influence the cost of homeowner's insurance are beyond your control – others, however, are not, and the more you can do to make your home safe and secure and lower your cost of homeowner's insurance should be.

Start by making sure that you have the proper number of smoke and fire detectors in your home. Not only are smoke and fire detectors required by law, having the proper number of them in your home can decrease the cost of your homeowner's insurance. Along the same lines, something as simple as having a working fire extinguisher in your home can also reduce your homeowner's insurance premium each month.

Not smoking can also reduce your homeowner's insurance cost.

Keep bushes trimmed away from doors and windows. This makes your home less attractive for burglars and that can also keep your premiums down. Motion-sensitive lights can also reduce your insurance costs.

Even such things as keeping a good credit rating can affect the price you pay for your homeowner's insurance.

Review the deductible you currently have. If you can afford a larger deductible that will also make your homeowner's insurance more affordable.

One thing you do not want to skimp on is the replacement cost of your home. This cost should be reviewed every year or two and adjusted to reflect the true cost of actually replacing your home should it be destroyed by fire or some other catastrophe.

The last recommendation is to compare prices. Several website exist which allow for the fast and simple comparison of policy prices among several different insurance carriers in Oregon. Taking the time and making the effort to compare policies and prices can pay off big time for years to come.