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Much better to keep a very high deductible and self-insure for the cheap stuff. You really *don't* want to be filing a claim for a $1000 one year, $1200 the next, $700 next year etc...sooner or later the company is going to see they are loosing money on you and jack up your rates, or cancel your policy altogether. I've seen it happen to people I know. Best you want with home insurance is pay a low premium every year, and never use it, but know it will be there when the big one hits.
Also watch your credit score. Higher your score, the lower your rates - at least with the companies I have dealt with.
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