You can make your home almost disaster proof thereby lowering your risk and, as a result, your homeowners insurance premium.
You can do this by taking all the necessary precaution against fire and burglary in addition to the following depending on where you live...
a.
Storm shutters will give your home better protection from wind damage.
b.
You'll also be better off in windy areas with a heavier roofing material.
c.
Retrofitting your home for earthquake protection.
d.
Cutting off dry limbs on trees on your property will reduce the likelihood of a branch falling off and causing injury and/or damage.
e.
Making sure you don't have tree branches over your roof or very close to your structures.
You run a bigger risk of a branch falling off and damaging your roof.
Depending on your roofing material, this could also reduce its lifespan.
Ask your home insurance agent for other things you should do if you want to lower your home's risk.
Also find out the cost-effectiveness of each recommendation you get.
Taking these steps will help you lower your homeowners insurance rates.
Finally...
You can reduce your homeowners insurance rates by getting quotes from good insurance quotes sites.
You'll make savings if you use only one good quotes site.
However, you'll get better results by visiting at least three.
I advise that you use not less than three quotes sites as that will make it less likely that you'll miss out better quotes not presented by the other sites.
This provides you a broader basis for doing more thorough comparisons.