10 Tips For Saving On Your Home Insurance

Improve safety. A hard-wired fire system that alerts the fire department can also earn you some money off your premium. 

Review your policy annually. You may be paying for things you no longer have, such as expensive jewelry or fur coats. 

Maintain good credit. People who maintain a good credit score often get a better deal on insurance premiums. 

Ask about discounts. There may be a partnership with your employer, credit union, alma mater or some other association you are affiliated with that grants you a discount. 

Don't count the value of your land. You should consider the cost of rebuilding the structure of your house should it be destroyed, but land value shouldn't figure into that number. 

Ask for improvement credits. If you upgrade your electrical system, plumbing or roof, that reduces the chance for a claim, so your insurance company may offer you some money off your premium. 

Kick the habit. Not only is smoking bad for your health, it may increase your homeowners insurance premium. Be sure to tell your provider if you're a non-smoker or if you've quit recently.