Here are some things you can to do to help lower the cost of your home insurance.

1. Get your home insurance through the same company that you have your car insurance with. Most insurance companies offer a discount if you have both types of insurance through them.

2. Don't hop from company to company. Most insurance companies offer discounts for long-term customers. You may have to stay with a company for 5 years or more to get this discount, but they are often worth it.

3. Find out the safety features that your insurance company gives discounts for, and install some of them. Most insurance companies give discounts for fire and burglar alarms, fire suppression equipment, good locks, etc.

4. Increase your deductible. Home insurance is really only intended for catastrophic events. If you intend to use it that way, select a large deductible as it will result in a very significant reduction in the cost of your home insurance.

5. Keep your credit score good. Oddly enough, insurers consider your credit score when determine the rates for your home owners insurance. The better your credit score, the lower the rate.