In today's economy we're looking for every way to lower costs. Insurance is one of those mysterious items with lots of big words and confusing language. Since most of us pay homeowners through our monthly mortgage payment we do not give it much thought. Getting educated on insurance can be very good for your budget.

1. Get Quotes From Several Agents

Insurance premiums vary by as much as 40% from company to company.

In today's economy we're looking for every way to lower costs. Insurance is one of those mysterious items with lots of big words and confusing language. Since most of us pay homeowners through our monthly mortgage payment we do not give it much thought. Getting educated on insurance can be very good for your budget.

1. Get Quotes From Several Agents

Insurance premiums vary by as much as 40% from company to company.

In today's economy we're looking for every way to lower costs. Insurance is one of those mysterious items with lots of big words and confusing language. Since most of us pay homeowners through our monthly mortgage payment we do not give it much thought. Getting educated on insurance can be very good for your budget.

1. Get Quotes From Several Agents

Insurance premiums vary by as much as 40% from company to company.

There are obvious ways to cut home insurance costs. Here are 4 things you may not have thought of.

1. Prepare for Disaster

Ask your agent if you can save on your premiums by adding storm shutters, reinforcing your roof or buying stronger roofing materials. Older homes can be retrofitted to make them better able to withstand earthquakes.

There are obvious ways to cut home insurance costs. Here are 4 things you may not have thought of.

1. Prepare for Disaster

Ask your agent if you can save on your premiums by adding storm shutters, reinforcing your roof or buying stronger roofing materials. Older homes can be retrofitted to make them better able to withstand earthquakes.

There are obvious ways to cut home insurance costs. Here are 4 things you may not have thought of.

1. Prepare for Disaster

Ask your agent if you can save on your premiums by adding storm shutters, reinforcing your roof or buying stronger roofing materials. Older homes can be retrofitted to make them better able to withstand earthquakes.

Have you ever tried to read your insurance policy? I did. I didn't even make it past the definitions. When you have to look up half the words in the definition it's not really time well spent.

So I talked with some agents and got some simple general definitions of some common terms so I could find out what is actually covered by my policy.

Have you ever tried to read your insurance policy? I did. I didn't even make it past the definitions. When you have to look up half the words in the definition it's not really time well spent.

So I talked with some agents and got some simple general definitions of some common terms so I could find out what is actually covered by my policy.

Have you ever tried to read your insurance policy? I did. I didn't even make it past the definitions. When you have to look up half the words in the definition it's not really time well spent.

So I talked with some agents and got some simple general definitions of some common terms so I could find out what is actually covered by my policy.

There are many ways to lower your home insurance costs. Here are 4 little known and practiced secrets to find those extra discounts.

1. Ask for a Repeat Customer Discount

If you've kept your coverage with a company for several years, you may receive a special discount for being a long-term policyholder. Some insurers will reduce their premiums by 5 percent if you stay with them for three to five years and by 10 percent if you remain a policyholder for six years or more.