Here are ten simple ways to get a discount on your homeowners insurance premiums.

1. Evaluate Your Coverage
Although the average home owner is underinsured, you may be among the minority of people who have too much coverage. Take some time to look over your policy and see if there are any ways to save money simply by taking out certain things. All you really need is enough insurance to cover your home’s replacement (i.e. rebuilding) costs, personal possessions, the cost of disaster-related living expenses, and liability to others. Anything beyond this could be considered excessive.

2. Buy Two or More Policies from the Same Insurer
There are some insurance companies that specialize exclusively in one type, whether it be auto car insurance, health insurance,…

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This is a pregnant female crab... do NOT keep these! If you are crabbing recreationally please remember to throw these back!! There are a few thousand babies in her sponge... Future population! A female can only mate once and then becomes "matured" and won't mate again. Once she is matured, then harvesting is allowed.

Howes Crabs- Shady Side, MD's photo.

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