Keep a detailed inventory of your items and keep these documents somewhere safe.
Paying off your mortgage will allow you to pay less for homeowner’s insurance. This isn’t easy, but insurance companies will generally provide more reasonable rates if the house is yours. They expect that you’ll be more motivated to take better care of your home if you outright own it.
Install additional smoke alarms in your home. Insurance companies want your insurance premiums if you have smoke alarms installed in your home. Adding carbon monoxide and smoke detectors can convince your home owner’s insurance that your house is not as risky.