There are many ways to save in home insurance. Some of these things require that you make a huge time and/or money investment. However, I'll show you a few ways that will result in lower rates without costing you either much time or money. . .
1. Do you have smoke and fire detectors installed? If you do, you'll attract lower rates especially if you've installed the right numbers for your size and type of home. If you have them don't forget to change their batteries twice yearly.
The reason for this reduction in your rates is because these make it a lot easier for fires to be stopped before they can do any damage. Don't forget that anything that reduces the chances of a fire in your home reduces your home insurance premium.
2. Do you have a fire extinguisher or fire extinguishers in your home (depending on the number of fire sources you have in your home)? For example, your kitchen must have a good and working fire extinguisher. You must also make sure it's the right kind for your kind and size of kitchen. And, don't forget that you must make it very easily accessible. This will lower your premium.
You can bring down your premium without compromising quality by getting quotes from a minimum of three reputable online sites. The straightforward logic in this is that you'll receive many more home insurance quotes from a wider range of insurers. This increases your chances of landing the best price/value.
Here are my favorite pages for home insurance quotes. . .
InsureMe Home Insurance Quotes
Hometown Home Insurance Quotes
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Chimezirim Odimba writes on insurance.