Many homeowners purchase their home insurance policy along with the house, and never revisit it again for years. You might be able to save 10, 15, or even 20 percent on your rates with a few home improvements. The best part is that the renovations most likely to save you money also keep your family safer than ever.

Fire sprinklers: Depending on where you live, and which home insurance company you use, you could save up to 10% on your policy if you add a fire sprinkler system to your home. This technology has a success rate of 99% when it comes to saving lives, and it reduces property damage from fire, and water damage from firefighter hoses.

Home security system: This can also save you 5-10% on your coverage. Make sure to get a system professionally installed, and wire all the windows and doors in the home. Security lighting is also a plus. This reduces the risk that the insurance company will ever have to pay out for a major burglary, so they pass those savings back to you.

Better fencing: Your fence is important. If the property lacked a good fence when you moved in, you could save money on your homeowners insurance by Wooden Fencingadding a strong security fence. Gating off the entire property is best, but even a wood privacy fence can help. Talk to a local, independent insurance agent, or your security firm, to get the best ideas and rates. If you own a pool, a great fence is a must. Installing a pool without a child-proof fence can actually cause you to lose your coverage, or cause your rates to skyrocket, so be prepared.