LPT: If you're a bachelor (bachelorette), you can usually save 10-15% on your home insurance by taking out an "umbrella policy" from an insurance broker.

To expand on this, if you don't have someone to name as a beneficiary on an umbrella policy, an insurance broker can often automatically assign the state as the beneficiary, which satisfies the requirements for an umbrella policy. This usually brings down your home insurance costs by 10-15%. <br><br>I was recently told by an insurance broker that this is an industry wide tactic, so it should apply to most insurance providers.