 TITLE: 9 Ways to Save Money on Homeowners Insurance CONTENT: 3\\. Play It Safe\n----------------\nSome insurance companies reduce your premiums if you take steps to reduce your risk, such as installing an alarm system, deadbolt locks or other devices that help protect against burglaries. You might get a discount for having smoke detectors or a fire alarm; living in a guard-gated community; or installing storm shutters if you live in a hurricane zone. Updating your older home with modern electrical, heating and plumbing systems can also help. Before investing in such upgrades, check with insurance companies to see which discounts they offer. END