In the world of homeowners insurance, the key to getting the best rates is by being a responsible homeowner. Little things you can do to increase your home’s safety and security can go a long way in decreasing your premiums. Here are a few: — Install a home security system: This is a great way to protect your property, security systems act as an effective theft deterrent. If you get a system that is monitored by a central station, or that is tied directly to a local police st