Like heat, water and air conditioning, insurance is a home expense you
have some degree of control over. In fact, there are ways to reduce your
insurance costs by as much as 20%.
The thing to keep in mind is that insurance companies will often reward you
– in the form of lower rates – when you do something to reduce the risk of
damage to your property. That’s why you can often get a discount when you
install smoke detectors on all floors. Other discounts may be available if you
get better door locks, an alarm system, upgraded wiring, and so forth.
Contact your insurance company and ask how you can lower your
insurance costs. Sometimes just a few minor changes can save you a