Many people are paying more than they should when discount homeowners’ insurance is their’s for the taking. They don’t know the things they should take advantage. Don’t make the same mistake. Here are tips to consider…You can enjoy lower premiums if you’re retired. Ask your agent if they offer such a discount.Insurance carriers who give this discount know that burglars hardly ever go to homes where they know somebody is always around. Those who’re often around are also in a better position to notice and put off fires before they can do any harm.You will as well enjoy a discount if you have motion-sensitive lighting on your property. Thieves understandably don’t like to operate in any environment they could be easily seen or caught. The risk of burglary is a key factor in calculating a home’s risk to an insurance company and, by extension, your premium.Do you have a fire extinguisher or fire extinguishers in your house (depending on the number of fire sources you have in your home)? For example, your kitchen must have a good and working fire extinguisher. You must as well ensure that it’s adequate for your type and size of kitchen.A fire extinguisher is only beneficial if it can be reached and also functions well. So make sure it is in perfect condition and within easy reach. Doing this will help you reduce your rates.A neighborhood watch will make your neighborhood safer and therefore result in cheaper rates. Therefore, if you have one in your neighborhood, tell your agent about it. You won’t only bring down your rate by doing so. You will also help bring down your neighbors’ rates.If you install a sprinkler you’ll be eligible for a discount. The reason for this is that a sprinkler system works well in putting off fires. Even though they are by no means affordable, they’ll get you remarkable discounts. You can pay back over several years thus reducing the difficulty in paying the amount involved in such a project.You can save more by visiting at least five quotes sites. That way, you will be able to get the lowest quotes available because five sites will return not less than 25 quotes altogether.