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I ' m sure you are already aware of this, but I ' ll mention it anyway - you want to insure your home for the full amount that it will cost to rebuild it and the full amount it will cost to replace the contents of your home. What you do not want to insure is the value of the land that your home sits on.

A portion of your monthly premium is based on how safe your home is - in other words, how likely is it for someone to be hurt on your property and make a claim against your insurance company? Lessen this risk and your homeowner ' s insurance should be lower. Be certain you let your agent know about any work you do; before and after photos are a good idea.

Start by removing and replacing any uneven or buckled cement work. Fix or replace any broken or lose floorboards on porches or decks and make certain that all railings are secure. Fill in any potholes on the property.