Many homeowners completely forget to shop around for quotes from different insurers, costing them money that could have been saved on a better deal. Yellow-pages, the internet, and walk-in appointments are all ways to get different prices. Don't forget to check for an updated quote regularly ? even after you've moved in and signed up for an insurance program, as many insurers frequently update their offerings.
Another option that many homeowners often fail to take advantage of is the multi-policy savings that most providers offer when you take insurance out on both your car and home with them. Simply getting all of your insurance through the same insurer can save you up to 10%.
In talking with your insurer, also ask about their different deductible and premium rates. Increasing your deductible ? how much you need to pay before your provider steps in - can often save you 15% on your premiums. As long as you can afford the extra payment in case of an emergency, this is usually a great way to save money.
Finally, fire extinguishers, fire alarms, deadbolts - anything that increases your home security - will reduce your premiums with most insurers. Ask for a list of approved systems and the savings offered for each to compare how long the savings will take to pay for installation costs.