When you’re out to buy homeowners insurance the temptation may be to opt for the first quote that you receive but it would be preferable to first check out a number of quotes and then choose the plan that is most in line with your needs and budget.  If you looking to switch from your current provider, then many insurers offer special deals for new customers which can often save the equivalent of two or three monthly premiums. It is surprising how much the monthly premium can be reduced by simply adjusting the deductible from say 500 dollars to 1,000 dollars – so that is something also worth considering.