There are many way to save on homeowner insurance. Many insurance company offer variable discount for many reason, those discount ranging from the type of building material used to build your home to how close your live to a fire Department. You should shop around to get the best quote, shop with many different issuers and compare quote. In order to get cheap insurance you should consider raising your deductible. The deductible is the amount of money you have to pay toward a loss before your insurance start paying. Typically, deductibles start at $500 and increase to $1,000, $2,500, $5,000 you have to make sure that you can afford to pay the higher deductible if something should happen. If you buy home policy, Car insurance and other insurance coverage from the same company you should receive discount as loyal customer.. Although your home and its contents are at risk from fire, theft, windstorms and other perils, the land your house sits on is not so don’t cover land under  your insurance coverage. You may consider improving your security and safety of your home. Items such as deadbolt locks, burglar alarms and smoke detectors offer bring discount of 5% each, depending on company must most company accept those discount.  You should check your policy annually, you want your policy to reflect the value of your home, your home value change each year so you need to adjust your policy accordingly.  If you want to decrease your annual payment, you should consider electronic payment because many companies now charge up to $5 dollar for mailed payments this is for processing those payment, so have your payments automatically deducted to shave that cost. Sometimes the deduction can come from your credit card, so you don’t have to worry if the money is in your bank account when payment time comes.  The most important aspect in lowering your homeowner insurance is to checking credit rating. Many companies check your credit and base your policy on the information they find. Make sure your credit is in good shape, so you will pay less on your insurance premium.