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As homeowners across the nation struggle with rising home owners insurance premiums, and being dropped by their insurance company at renewal time just from where their house is located, we should share some hints on keeping your insurance premium as low as possible.

1. Don’t file a claim for something small if you can help it.  Yes I know you have insurance to protect yourself, but just like car insurance once you have a claim you can face years of higher premiums.  Often paying more than the cost of the original small claim.  
2. Your credit matters.  Insurance companies know those with highers scores tend to file fewer claims, hence lower rates.  Pay your bills on time, and write letters to correct those errors. 
3. How you drive can impact your homeowners premium.  You often bundle the two policies to get the discount, but if you like to “swap paint” like your favorite NASCAR driver you will pay more.
4. Don’t fib on your prior claims.  Insurance companies have a database on claims, and they will check.  No sense getting a quote claiming you never had a claim, to have the report come back that you’ve had 3 in the past 2 years.  You will pay more.
5. Update your home, or live in a new home.  Both are lower risk to the insurance company.
6. Get rid of the trampoline, and pit bull.  Both are claims magnets.