By Steve Odland | – Mon, Jan 7, 2013 7:04 PM EST

Home insurance costs seem to go up every year. But going without insurance is too risky. So, we grit our teeth and pay the bill each year. Of course, we could competitively shop the policy every year, but that’s onerous. It takes a lot of study to understand the difference between policies. Often it’s easier to stay with the policy that has the appropriate coverage. And longer-term policyholders can earn discounts for longevity. Here are 10 ways that you can control your home insurance costs:

Increase deductibles. Insurance isn’t meant to cover the small stuff. Set deductibles as high as you can afford. For example, a $150,000 house could have a $1500 or 1% deductible.

Make improvements. Install a backup generator, a whole house surge protector, and smoke/CO2 detectors. Refit roof trusses with strapping.

Opt for hip roofs. Hip roofs offer the most slippery shape in high wind settings or storms. You don’t want areas that can catch the wind and are prone to damage.

Locate intelligently. Stay away from flood prone areas. Look for brick or stone houses in high wind areas and wooden frame houses in earthquake-prone areas. Locate in communities with professional fire departments. Have your home inspected before purchase. Also check the Comprehensive Loss Underwriting Exchange report of your home before purchase to see insurance claim history.

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10 Ways to Control Your Home Insurance Costs