Watch your neighborhood and know what’s going on. After I was robbed twice in the same year I began watching who was coming and going from my neighborhood, who they were with, and what times. If you notice anything out of the ordinary like strangers talking on pay phones or walking though neighborhoods alert the authorities only when necessary, and keep your eye on them. If you notice persons taking photographs or recording other data let your neighbors know. Also watch out for “parkers” (people that sit in cars and watch what is going on or spy on people), it may be a sign that something is up. We don’t live in on the set of a hit TV cop show so don’t go crazy patrolling the neighborhood and making something out of nothing.Get referrals. It is highly advisable that you get referrals for home cover companies, from friends, relatives and co-workers. It is highly unlikely that such people would lead you astray, which will boost your chance of finding a policy with lower premiums. So get as many referrals as possible before choosing a company. Good advice can lead to lower home insurance!