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How can I save money on my homeowner's insurance?

The easiest way to save money on a homeowner's insurance or renter's insurance policy is to increase the size of the deductible you must pay before the policy will cover you for a loss. However, it's important to remember this only makes sense if you have enough savings to pay the higher deductible if you have to make a claim. Also ask if you're eligible for any discounts. According to "Get a Financial Life" (Simon and Schuster), "If you have dead-bolt locks on your doors or live in a doorman apartment building, you may be able to get a discount of as much as 10% on your premium. If you have a security alarm, a fire extinguisher, and/or a smoke detector, you can often get a discount of anywhere from 2% to 20%, depending on the type of system you have." Consider moving your automobile coverage and homeowner's or renter's coverage to the same insurance companies. Some insurers offer a dual-policy discount of up to 15%. Also contact at least three or four insurers -- including a few that sell their policies directly to the public, without paying a commission to sales agents -- as soon as your current insurer sends its annual renewal statement to see if you can get a better deal.