How to Reduce Your Home Insurance Premiums

I am sure that many of you have seen your home-owners insurance policies increase over the past several years and have wondered what you can do to bring it down. The saying today is that water claims are the new fire losses. In the past, most policies were geared to fire and smoke claims. Today, water claims are the new terror. For those who have not taken steps to prevent water claims rates will be going upwards, but there are a number of things that you can do to help bring your insurance rates down: