• Increase your deductible
• Combine your home/auto/umbrella insurance in the same company
• Update or replace heating, plumbing, electrical or roof
• Install central fire and burglar alarms, fire extinguisher, smoke alarms and dead bolts
• Install a sprinkler system
• In coastal areas, install hurricane shutters & glass, and roof tie-downs
• Consult your agent before turning in a small claim
• Have your agent compare plans with his/her multiple companies
• Maintain a good credit rating
• Purchase a home in a strong protection class (good fire department)
• Stop smoking
• Pay your premiums electronically
• Maintain continuous insurance on your home

Not all discounts are available from all companies.