Insurance rates are sky rocketing and insurance companies have stopped writing policies in certain states or are dumping homeowners. How can you keep your premiums tame?

1.  Know your insurance history. Insurers review your home's claims history when you ask for a quote. When you have frequent claims, it will likely show you as more risk. A home that has a past water damage claim may be uninsurable. You can have your insurer order your CLUE report (Comprehensive Loss Underwriting Exchange). You can go to http://www.choicetrust.com/ for a nominal fee. Challenge mistakes and submit updates.

2.  File fewer claims. If you as a homeowner file frequent claims such as every repair bill, this could raise your rates, or perhaps risk your insurance being dropped. Even calling your agent can trigger a claim file. You may be better off paying the bill.

3.  Cover more yourself. By raising your deductible, from $250 to $1,000, you could save 20%.

4. Maintain good credit. Some insurers reward good bill-paying and debt habits.

5. Bundle your policies. By buying your auto and homeowner's policies from the same insurer, you can save 10% to 20%.