Disaster-prep your home
If you live in an area that is prone to natural disasters, such as hurricanes or tornadoes, a little preparedness may be worth a sizable discount on your home insurance.
Savings can be as much as 30 percent in some states if the home is fortified in accordance with standards set by the Insurance Institute for Business & Home Safety, or IBHS, Lemons says.
Ways the requirements can be met include sealing the roof beneath the shingles and pruning trees away from the home.
"Homes that follow the IBHS guidelines are less likely to be impacted when a storm comes through," says Lemons. "The challenge is how to invest and retrofit your home."
Make your dwelling storm-ready and enjoy cheap home insurance through discounts that go by different names including a "fortified home discount" and a "windstorm mitigation discount."