If you own your home and have homeowner’s insurance on it, you can qualify for discounts on your homeowner’s insurance policy. Reduce risk, the chances of having a claim at all, and the severity of any homeowner’s insurance claim you do have. You can also save on your insurance premiums by putting some of these tips into effect.

  • Install a UL-approved smoke detector on each floor. Replace the batteries yearly. Also install a carbon monoxide detector.

  • Install a UL-approved dry-chemical fire extinguisher in the kitchen for grease fires. Check it periodically to make sure it’s fully charged.

  • Have your fireplace, flues, and chimney cleaned regularly to prevent chimney fires (and all the horrible interior smoke damage that results).

  • Install a central burglar-and-fire alarm (the premium savings are huge for this one — 10 to 20 percent).

  • Install deadbolt locks on all access doors.

  • Install a motion detector alarm.

  • Install a sump pump system to prevent damage from groundwater, which is excluded by virtually every homeowner’s policy. (Be sure to buy optional sump pump failure coverage.)

  • If you have a swimming pool, have an approved fence. Take out the diving board (where most injuries occur). Add a locking pool cover to prevent unauthorized use.

If you’ve already taken some of the steps that translate to a discount, make sure they’re reflected on your policy. And ask your insurance agent whether any other discounts are available to which you may be entitled.