Most agents won't share these with their customers...but if you just take the time to review these and understand your coverages, you'll get a policy like you want it and at the lowest rate.

Mike's Top 5

Sure-Fire Tips to Lower Home Insurance rates.

1. Do not insure your home for more than Replacement Cost.
2. Make sure you're getting all the discounts available. 
3. Don't purchase coverage for property you don't have. 
4. Avoid these if possible.
5. Accept more Risk.