As a renter you may not feel it is your place to do much work around your home in order to make it more secure, but there are several reasons why you probably should do a few simple things. For one, you want to feel safe and secure. And for another, there are several things you can do that will add up to a nice savings on your renter's insurance that you can enjoy month after month. But there's something else you can do, a dark little secret that your insurance broker hopes you'll never learn about that can instantly save you a whopping 30% or more on the cost of your premium every month for years to come. And you won't believe just how simple it is!

But before we get to that let's look at a few other things any renter can do to reduce the cost of renter's insurance.

Paying your premium directly from you bank account saves you as much as $120 each and every year. The reason is because it costs so much to prepare and mail a bill to you every month. You save your company that rather hefty expense and they'll gladly reward you by cutting the amount of your premium every month.

Double the standard deduction for your policy. Obviously you can only do this if you are able to set aside a little money every month to cover the extra cost to you should you ever have a claim, but since most renters never file a claim you may be able to save quite a bit over the course of time if you simply double the standard deduction.

Putting up motion-sensitive floodlights around the house and adding deadbolts to every door and making certain that every window has a working lock can all reduce the cost of your monthly premium.

Simply buying a kitchen-rated fire extinguisher and placing it in your kitchen can save you money.

If there's anyone retired and living in the home your agent needs to know about it. Why? Because having someone in the home most of the time reduces the possibility of an uncontrolled water leak or an uncontrolled fire.

But the biggest thing you can do - and the simplest - is to buy your renter's insurance online.

Yes - buying your policy online is the Big Secret that your broker hopes you'll never find out about. Why? Because online brokers have no overhead that they have to pay for...and that means that they can sell policies at wholesale prices all day long.

In addition to that, there's just a ton of competition online, and the only way for your broker to stay competitive is to cut prices as far as humanly possible.

The result is that YOU save more money on your coverage than you ever dreamed possible. It's like stepping into a time machine and coming out 15 years ago.

Oh - there's another big advantage to buying your policy online. There's no agent sitting across from you and talking you into buying more and more and spending more money than you planned or can afford. And wouldn't that be a welcome change!

Even though I've done a lot of research into online insurance buying I don't want you to take my word for any of this. I want you to get online and see for yourself just how much you can save simply by purchasing your policy online.

Once you do you'll be as excited as I am about what you've discovered and just as anxious as I am to spread the word!