@86ee8b2c 

Succession 

 @86ee8b2c increase deductible, and/or lower coverage.

Or the pro move: pay off house and cancel it altogether. 

 @86ee8b2c there's certain things you can do to the house that will lower insurance rates. I lived in L.A. and found out if you did any kind of foundation "house bolting" retrofits then that would lower the premiums. I'm sure other procedures exist. But you probably have to spend money to save money...