Lower homeowners insurance - deductible and security
Pay strict attention to your comfort level. When you choose your homeowners insurance coverage, you are entitled to pick your deductible level, which is the amount you must pay out of your pocket when you have a claim. Deciding on an increased deductible, for example $1,000 instead of $500, can considerably lower your monthly premiums. On the other hand, you it may be more suitable to pay a higher premium every month for increased peace of mind should an unexpected disaster occur. Of course, the choice is yours to make. Your insurance company should offer a wide range of various premium/deductible scenarios that will best fit your requirements.
What is more, you can also save money on insurance premiums by looking into safety and prevention features that frequently merit a discount. Think about buying monitored security alarms, and take countermeasures such as installing deadbolt locks, both of which can ward away thieves and allow you to avoid a costly (not to mention scary) break-ins. Fire extinguishers with easy access are also a valuable addition to the home, as they reduce the risk of serious flame and smoke damage.