* Consider protective devices (smoke alarms, fire extinguishers, deadbolts on all exterior doors etc) – and save up to 15%.

* Consider building house from Fire Resistive material – it could bring you up to 15% discount depending on the materials.

* The newer the house – the cheaper insurance (< old =""> 25% reduction).

* The older you are – the less insurance price (you might qualify for as much as a 10 percent discount).

* Always take inventory – it will help you to claim property worth.

* Keep pace with inflation – follow the coverage amount when renewing your policy.

* Consider your deductible – the higher the deductible, the bigger the discount (it could produce savings of 15 percent to 30 percent or more).

* Insure your car and home in the same place – and get the discount.

* If you modernized your heating, plumbing or electrical systems – let the insurer know about it, you could get the discount.

* Stop smoking - some insurers offer to reduce premiums if no one in the home smokes.

* Insure your house, not the land – do not consider the value of the land when buying house insurance policy.

* Do not loose the chance to inform insurer about your past insurance history – no claims history could get you a discount.

* Consider safe installation - high cash rating attributed to the safe could result in cheaper rates.

* Do not exclude joining local neighborhood watch scheme – sometimes you could save money on the insurance cost.

* Do not save money on low quality locks – install quality locks and qualify for the discount.

* Hidden cashback - some insurers pay out cashback if you sign up to them via the specialist cashback shopping sites.

* Increase your voluntary excess - the higher the excess you are willing to pay, the lower your premium.

* The fewer the claims, the higher your no claims discount.