I did not need to make the call. There was no piece of mail that suggested it to me. I just decided to call my homeowners insurance company to tell them that the new fire station was built a mile from my house - "Do you guys care?" Apparently they do because just the fact that I live within a 5 mile radius of a fire station they gave me a discount. I would have never known if I had to asked. $300 saved just like that. And in the form of a check mind you. It never hurts to ask. While we were at it I asked if they could review my deductibles and look at some other companies to see if we could lower the premium. Currently I have a $500 deductible. I told her to work up some numbers for $1000, $1500, & $2000 and let me know what kind of savings we are looking at. Granted each family is different in terms of what they are willing to pay out of pocket. But isn't that what your emergency fund is for? Make the call.