Blame it on what you will, home insurance has been getting pricier. Here are some tips on saving money on your homeowner's insurance policy:

• Figure out the limits you’re comfortable with on your homeowners policy and the amount you need to insure, then get multiple quotes. An independent insurance agency like Braley & Wellington (bwginsurance.com) can help you find lots of options.

• Many insurance companies give discounts when you purchase more than one kind of insurance through them. Consider purchasing your other insurances through the same company.

• Having small home-protection devices and precautions will often get you discounts. Things like smoke alarms, burglar alarms and deadbolts, sprinkler systems, and even fire-retardant plants can mean bigger discounts.

• Get a quote for insurance that would pay to replace your possessions rather than reimburse you based on their depreciated value.

• Ask your agent what documentation you would need to substantiate a claim in case of theft or fire.

• Ask your agent about having enough liability coverage to protect you against a lawsuit if someone gets hurt on your property.

Don’t forget to review your policy at least once a year to make sure all your property and belongings are covered. Many homeowners spend loads of money each year to renovate or add on to their houses, but then don't update their homeowners insurance coverage. Walk through your house with a video camera or regular camera and take video/photos of your possessions – anything that you’ll want to be reimbursed for. Keeping your home inventory up-to-date will prove very helpful.

Braley & Wellington is an independent insurance agent in the Worcester, Massachusetts area. To find out more about Worcester, Auburn, Shrewsbury, and Boylston home insurance, contact them today.