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How can you lower the premium that your home owner insurance company charges you? Here are a few ways:

Resist over-insuring. In the end, it only inflates the premium. Determine how much your home and possessions are worth. Start by itemizing your possessions then have an agent help you estimate the cost to rebuild your home. Also, don't make the mistake of insuring the land. Although your home could succumb to fire and other calamities, the dirt will remain. If it's motorhome insurance that you're shopping for, make sure the policy doesn't include anything you don't require.

Increase your deductible. Low deductibles cost plenty. By raising the deductible from $250 to $500, you may rack up 12% in savings on your homeowners insurance quotes; increase it to $1,000, and you could pocket up to 24%. And a $5,000 deductible may reduce your premium by up to 37%. Keep in mind that savings vary, depending on the insurer.

Consider an inflation guard endorsement. Your coverage will be automatically adjusted to inflation each year. If you elect this coverage, check with your home owner insurance company that the amount of increase accurately reflects the cost of replacing your home. If it does not, increase or decrease the coverage as needed.

Compare companies. Take advantage of the competitive environment insurance companies operate in. Discounts vary from company to company and from state to state. Obtain three written estimates on comparable policies and services.

Look into group plans. Alumni associations and professional organizations often procure group discounts for members. See if one of your memberships offers a discounted rate in homeowners insurance.

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