How ?
This way :
1. You need need replacement cost insurance (If you want the full value of your lost or distorted items), this can cost 10% more.

2. Make sure your insurance policy has an inflation guard.

3. Prepare for natural hazards - the extra insurance for that will cost you about $40-$50 a year.

4. Get ordinance and law coverage (If you have a older home, this insurance will cover the cost of rebuilding your home to meet building code upgrades and construction regulations.)

5. If your home is damaged to the point where you can't live there for a while, your insurance should pay for your hotel room and meals. Almost always you can increase this coverage for an additional premium to your policy.

Remember:

This 5 tips will get you more coverage but will cost you more.

Do you have a housekeeper ? Heep her/him in your house!
Some insurers offer up to a 2% premium credit if you have a live-in employee as they feel it could reduce the likelihood of burglary.

Some companies offer a non-smokers discount of up to 15% to qualified . To qualify, you must be a non-smoker and you cannot permit smoking in your home by anyone. Retirees or senior citizens are usually offered discounts because insurance companies believe they are home more often and are therefore better able to protect their home against fire and burglary.