Home insurance today is much more expensive than a couple of decades ago. This is why many homeowners don’t take out policies, hoping that nothing bad will happen to their home. But there are still a lot of ways to get discount homeowners insurance without having to deceive your insurance company. One such way is to pay annually. Monthly premiums seem low but if you add it up, you will see just how much you will save on annual payments. Other ways of getting cheaper home insurance is by filing your no claims discount, using comparison websites and simple negotiation skills.