One of the best ways to lower the cost of insuring your home is to try to make it disaster proof. The fist step to take would be to contact your independent insurance agent and find out the recommended steps to take, to make your home more resistant to disasters like tornadoes, hurricanes, windstorms or other natural disasters.
You may be able to noticeably reduce your premiums by doing things like reinforcing your roof, redoing it with stronger materials, adding storm shutters and so on. If you own an older home, you can try to update important structural parts, to make them far more sturdy.
Additionally, updating heating, electrical and plumbing systems, in order to prevent potential fire hazards or flooding problems, can also be a great savings to you.