Home Insurance Tips:

Tip #5 Your realtor should make sure any property you buy is not in a high-risk area, such as close to major waterways, or known earthquake fault lines. A home seller has to disclose material facts such as these to you. And ask in writing!

Tip #8 If you have a security system tied to a central monitoring or local police station, provide proof of central monitoring in the form of a bill or a contract to the insurance company. That could lower the homeowner's annual premiums, sometimes 5% or more.