Always read your full policy language in detail this outlines all exclusions in your coverage. House flooded and someone sues you because they get sick from inhaling spores your liability may not cover it.
Check your insurance carrier through AM Best they rank insurance carriers with a letter grade scale you don't want below an A.
Try to shop carriers who may not have a lot of risks written in your area and shop during off seasons. If you live on east coast or gulf coast don't purchase insurance at the beginning of in the middle of hurricane season. Rates can change on a daily basis depending on both the risk and the exposure with the number of risks in a specific area through that carrier. A lot of available aggregate in an area correlates with lower rates. When agregate gets low companies become more restrictive and rates go up.
Never ever ever lie on your insurance application. You do not want to ever experience a total loss and have the company deny your claim through something discovered.
Never ever be late on your insurance renewal, payments, or if they request additional information or documents. Your insurance carrier may be lenient in the past and accept payments etc without a lapse in coverage however if a loss suddenly occurs and you've not submitted renewal docs/pmt or they cancelled for nonpayment they are not likely to not lapse you nor reinstate.
Don't let your insurance lapse, Sod's law you'll have a claim and it won't be covered and you'd been paying out previously for nothing then.
Don't waste your money using financing for insurance. You're wasting money on finance fees just set the money aside and pay it in full. Don't overpay on a product you may never even need (insurance).
Shop around for rates, check rankings, compare policy fees between writing fresh somewhere else or renewing with your current carrier. Also changing carriers you may have to pay additional inspection fees with the new company.
And if you have a swimming pool please put a self locking fence around it. If you have just a normal yard fence make sure your gate stays close and locked. No one likes reading about drowned children in insurance and many carriers may not go near you again with liability coverage after that.
If you receive money for a damage claim make sure you completely fix the damage if you're keeping coverage. It's not vacation nor beer money from a lotto. Many carriers want documented evidence of repairs and if you have future claims you could be screwed.
Umbrella liability (additional liability ontop of primary liability) can add millions of dollars of coverage to your liability for dirt cheap. Good if your net worth is high, or if you have risky property like several unoccupied acres (bugout location?) which people may trespass on. Kids die on unoccupied land doing stupid stuff, falling in holes, climbing stuff, drowning in ponds, etc. The parents in turn sue the owners of the land.