Improve your home security to lower your homeowners insurance costs it's usually a good deal.

You can usually get discounts of at least 5 % for a smoke detector, burglar alarm or dead-bolt locks or 15 or 20 % discounts if you install a sophisticated sprinkler system and a fire and burglar alarm that rings at the police, fire or other monitoring stations.

Always check with your insurance agent any discounts you qualify for, and to see if you can save any more on premiums by installing sophisticated and expensive security equipment. Ask your insurer what it's recommended, how much would cost and how much you'll save.