3 quick tips for saving on home insurance:
1. Go with a higher deductible- Companies look at the number of claims you have had when determining rates, not how much was paid out. If it doesn't make sense to file a lot of claims, it doesn't make sense to have a really low deductible.
2. Review every 1-2 years- Most companies raise your coverage every year automatically, even though the reconstruction cost of your home has gone down
3. Make sure that you get a quote with both your spouse and yourself as the primary: Companies take credit into account. If your wife or husband has better credit than you, it is probably cheaper to have it in there name.