1 Your association might have discounts with an insurance company that you could take advantage of.
Check if such has been arranged for any association you are part of.
You might have discounts waiting for you to take.
It's very much a possibility, however, that you would be better off not going with the insurance company that offers your association a discount as another insurance company may offer you a better rate as an individual.
The simple way you can tell for sure which is better for you is by obtaining and comparing quotes from as many different insurers as make sense.
You get the overall best price/value that way.
2 Certain insurers will give you cheaper premium once you're a retired person.
You can count on retired people to notice fires easily and look after their homes better since they're normally around.
3 Staying with the same insurer for above three years gets you rebates.
The loyalty discount increases the longer you remain with an insurance company.
Even though you'll surely be given loyalty discounts for continuing with an insurance company for years, you might make more in savings by switching to another insurer.
Because of this, do proper evaluation before settling for this option.
Simply get new quotes from other insurers and then check if what you get as rebate for remaining loyal to your insurer is more than what you will get by another insurer.
You can also bring down your home insurance costs by obtaining and comparing quotes from at least three reputable quotes sites.