Homeowners who guard against theft, accidents and other losses can often get lower insurance rates. Here are some things you can do to help qualify for lower premiums:        wSecure your home with dead bolts and window locks.        wInstall a security system with outside signal and connection to local police.        wInstall and maintain smoke detectors.        wInstall a sprinkler system for fire.        wInstall a fire alarm that automatically alerts the local fire department.        wStop smoking.        wKeep walks and entrance ways clear of ice.        wYou may also receive discounts on premiums when you buy both Homeowners and Auto insurance. Please contact Danner Insurance to discuss these and other money savings options.