The process of buying a new home is exciting and an adventure, but it can be stressful and difficult to find the perfect place for you. Dealing with high prices and finding the right size home can be difficult to manage. While home buying is a process, there are ways to make it simpler and easier for you by doing the proper research and taking the time you need to ensure you make the best decision possible.

After you buy your home, the next step you should take is to get a homeowners insurance plan. There are a variety of different homeowners insurance plans, and while they all vary, they are all important in keeping you, your home, and your belongings protected.

Saving money on home insurance can start even before you buy your home. Many people don’t know this, but insurance companies take many factors into account when deciding their rates.

Here are common ways to reduce your home insurance.

Often where you live, such as in the city or a surrounding suburb or if you live in a gated community. In general, more crime occurs in the city than outside of it, and if you live in a gated community, your home and belongings tend to be more secure. Living near a fire station or even a fire hydrant can help lower your rate.

Average prices vary from state to state and city to city, with places like Florida and Texas among the highest and Idaho among the lowest.

When you finally do move, there are several ways to reduce your insurance, and many of these are simple solutions. Installing deadbolts on doors and installing a simple sprinkler system are easy ways to save money, but also to keep your home and belongings more secure. Installing smoke detectors is another easy addition that can help. Quitting smoking can also lower the price of your plan, since many home fires are started by a cigarette.

Other factors that insurance companies take into account are things like your credit score, your marital status, employment status, and even your age. People who are married, have steady jobs, and have good credit generally pay less and save more on home insurance. Many insurance companies also offer senior discounts.

There are many ways to lower your home insurance rates before and after you move. A good homeowners insurance plan is important to protect you from incidents such as theft, fire, flood, or any damage that may occur to your home. You’ll want to do the proper research and talk to different companies to find the perfect plan that’s right for you and your home, ensuring that your home will be there for the long haul.