$ And now, do you like to pay for your home insurance premiums, no! Okay, so you can try to reduce your premium by your knowledges of the risks. Talk with your agent or broken about what you know to avoid a fire, like having portable fire extinguishers, calling the Fire Fighters without delay if a fire starts, having smoke alarms around the house and measurement to evacuate the house for you and your family etc
You will feel more secure and you will be more reliable for your insurance company.
And remember shop around for your home insurance. $