* Consider protective devices (smoke alarms, fire extinguishers, deadbolts on all exterior doors etc) and save up to 15%.
* Consider building house from Fire Resistive material it could bring you up to 15% discount depending on the materials.
* The newer the house the cheaper insurance (< 10 years old => 25% reduction).
* The older you are the less insurance price (you might qualify for as much as a 10 percent discount).
* Always take inventory it will help you to claim property worth.
* Keep pace with inflation follow the coverage amount when renewing your policy.
* Consider your deductible the higher the deductible, the bigger the discount (it could produce savings of 15 percent to 30 percent or more).
* Insure your car and home in the same place and get the discount.
* If you modernized your heating, plumbing or electrical systems let the insurer know about it, you could get the discount.
* Stop smoking - some insurers offer to reduce premiums if no one in the home smokes.
* Insure your house, not the land do not consider the value of the land when buying house insurance policy.
* Do not loose the chance to inform insurer about your past insurance history no claims history could get you a discount.
* Consider safe installation - high cash rating attributed to the safe could result in cheaper rates.
* Do not exclude joining local neighborhood watch scheme sometimes you could save money on the insurance cost.
* Do not save money on low quality locks install quality locks and qualify for the discount.
* Hidden cashback - some insurers pay out cashback if you sign up to them via the specialist cashback shopping sites.
* Increase your voluntary excess - the higher the excess you are willing to pay, the lower your premium.
* The fewer the claims, the higher your no claims discount.