Tip 1. Have a good credit history; some insurance companies now run your credit history before they tell you what your insurance premiums are.

Tip 2. Avoid living in a flood or high crime area; you need to research the area that you will be living in before your purchase your home.

Tip 3: Have a decent deductible; if you do this then it can help to lower your monthly premiums.

Tip 4: Ask your friends for recommendations; many people own homes and have home insurance so getting recommendations can be very helpful.

Tip 5. Shop around; you can change your home insurance policy at any time so always keep a look out for a great deal!