Most probably you have already reduced your house insurance costs by improving your safety and security systems and you have already made the needed construction upgrades.
Here are some more ways to cut your house insurance costs without sacrificing important coverage.
The first is to consider house insurance when you are looking for a home to buy. Ask your insurance agent what factors are considered in the pricing of policies and which types of houses are difficult to insure and what types of house insurance are hard to get in the locations where you are planning to live. Some homes are not insurable because they have not been maintained well. Some types of homes are insured at very high premiums.
Next is to purchase your house insurance and car insurance policies from the same insurance firm. Many insurance companies have been promoting several of their products by bundling them and offering discounts. Just check with your insurance agent if the bundled insurance products have the same coverages as the separate house insurance and car insurance policies.
Reviewing your house insurance policy every year is another way to save on costs. After a year, your house has probably undergone some changes that could reduce your premiums. On the other hand, you could have added another structure that needs additional coverage. This means added cost but it translates to added savings if something happens.
Owning a breed of dog known to attack people will increase your home insurance, so choose dogs that have been proven to be friendly to people.
See to it that the valuation of your house does not include the land. You do not need to insure land.
If you are a retiree, check if there are discounts offered to seniors. Likewise, check also if there are discounts for non-smokers. Some insurance agents forget to offer certain discounts even if they know there are some discounts available. It does not hurt to ask.
Lastly, be a loyal customer. If your insurance company has been performing financially well through the years and has not been the target of lots of consumer complaints, stick to it. If you keep renewing your policies with the same insurance firm for years, you will be offered discounts from time to time, such as during your milestone birthdays.