33. Water Damage
Avoid buying a house which may have water damage or has a history of water damage. A check with the home insurance company can help to find it out before you buy the house.
34. Decrease Liability Risk
Use meaningful ways to reduce your liability risk (e.g. fencing off a pool) and it can result in your liability insurance premiums going down.
35. Direct Insurers
Have you always dealt with insurance brokers/agents? Getting a policy from a direct insurer (i.e. insurers working via call-centre or online) often can be cheaper (but not always) .Since they do not pay an agent/broker commission for each home insurance policy sold.
36. Plumbing Insulation
Insulating your pipes will prevent them from freezing in winter and reduce or even avoid insurance claims.