Moving into a new home is an exciting time, but it can also bring a wave of expenses. Thankfully, one area where you can potentially save big is your homeowner's insurance. If you've recently moved, you're in a prime position to take advantage of several discounts and strategies that can significantly reduce your premiums. In fact, a recent study by the Insurance Information Institute (III) found that 42% of new homeowners successfully negotiate a lower rate on their home insurance by inquiring about available discounts.Here are ten proven ways to cut your insurance costs:

The world of insurance can feel complex, with terms like "homeowner insurance discount" and "auto insurance premium" getting thrown around. But what if you could unlock significant savings on both your home and auto insurance simply by making your home smarter?

Many insurance companies now offer discounts to homeowners who install certain smart security devices. These devices not only deter potential break-ins, but can also help mitigate damage from leaks and fires, making your home a safer place for you and a less risky proposition for insurers.