There are a few factors that can alter the home owners insurance cost. If you’re looking to switch from your current provider, then you’ll find many insurers will offer special deals for new customers which can often save you the equivalent of two or three monthly premiums. It is also surprising how much your monthly premium can be reduced by simply adjusting the deductible from say 500 dollars up to 1,000 dollars. Approach your provider today (or one you’re considering switching to) and compare the differences.