When you initially purchase your home the only thing you can really do is insure your home with a company that will provide discounts for insuring auto, home, and other items. Until you actually take possession of the property, there is nothing you can do to the place to lower insurance costs.
Once you take possession, however, there are a lot of things you can do. Begin by contacting your insurance company and asking what you can do to protect your property and lower your premium. Some of the major insurance companies have suggestions on their websites. These suggestions include smoke detectors, carbon monoxide detectors, fire extinguishers in the kitchen, dead-bolt locks, and alarm systems. Remember to keep your insurance agent informed as you add these types of protection to your home.