There are things you have to do to guarantee you get homeowners insurance cheap without lowering the quality of coverage you'll get. You simply have to understand things to do and when to do them. Here are several tested ways (albeit seldom talked about) you can take to make certain you bring down your costs.
1. Smokers pay higher homeowners insurance premiums. Encourage everyone who lives in your home to quit smoking. Statistics have it that about 23,000 residential fires are caused by smoking. However, not all insurers may offer savings for this.
2. You may qualify for discounts of up to 10% with certain insurers once you're retired. The reasons for this are quite clear: Retired people have more time to maintain their homes are also more likely to spot fires since they are usually more at home.
3. Some insurance companies offer discounts to groups and associations. Check with any association or group you belong to. There might be some discounts you could take advantage of. However, some insurers who do not offer any form of discount to your association might still end up being a lot cheaper for you. This is one of the main reasons I encourage folks to take some time out to get comprehensive quotes. You get the overall best price to value ratio that way.
And now to one way that we can not afford to leave out even though you'll hear experts talk about it often (It's because it works always) …
You will save a lot of money on home insurance if you get and compare quotes from quotes sites. Requesting quotes from a minimum of three insurance quotes sites increase the chances that you'd make more savings. The straightforward reason for this is that you will get many more quotes from a wider range of insurance companies. This increases your chances of receiving better home insurance offers.