Consider increasing your deductible, the amount of money you must pay toward a loss if you have a claim. Higher deductibles usually mean lower premiums.

Make your home safer. Find out whether your insurer offers a discount for security and safety systems such as deadbolts on doors, burglar alarms and fire extinguishers.

Set up an interior inspection with your insurance company. You may be able to get 10 percent to 15 percent off if you allow an inspector to review the inside of your home.

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