Strategies that can help in bringing your home insurance premiums down are-

• Reduce your liability by agreeing to share the burden of repairing. It will help in reducing your premium.
• There are many such things in our house which are precious to us but there is no point in insuring them if they are too old. For instance, your 10 years old black & white TV might be working well, but there is no point in insuring it at a depreciated value. Be wary while making an inventory of products to be insured.
• Take two or more insurance covers to become eligible to get discounts.
• Like any other insurance plans, if insurers are convinced that you have installed all safety equipments at your home then you will become eligible to get discounted premium. If you have security guards posted 24x7 in the building and fire safety alarms installed at home, then you will get discounts in premium.