Homeowners signing up for new insurance coverage will be asked a series of questions, either by their agent or by the insurance company, to determine which discounts may apply. But come renewal time, there's no obligation for them to recheck, which is why it's important to stay on top of things, says Bill Wilson, an associate vice president of the Independent Insurance Agents and Brokers of America, an Alexandria, Va.-based trade group.
Getting cheap home insurance doesn't have to be complicated; it can be as simple as being a faithful customer or having good credit. Here's a look at six simple money-savers you may not know about.