Tips for Saving Money on Homeowners Insurance

What are the most effective ways to save money on homeowners insurance without sacrificing essential coverage? I’m interested in practical tips such as choosing the right coverage limits, increasing deductibles, bundling policies, qualifying for discounts, improving home safety features, and maintaining a claims-free history. Additionally, how do factors like location, home age, roof condition, and credit score impact premiums, and which strategies usually lead to the biggest long-term savings?