Most homeowner's premiums are neatly incorporated into the mortgage payment, so consumers don't consider reviewing them. That's a mistake. If you shop around and find something better, call your insurance provider and ask what they can do for you, suggests Ellie Kay, author of Living Rich for Less. Certain improvements (installing a security system or a new roof; adding storm shutters, smoke detectors, deadbolt locks) and even a change in habits (quitting smoking) could qualify you for lower rates. You can typically expect about 15 percent savings, Kay says.