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Problems, thefts and disasters can come out of the blue at any time. It might occur while you sleep, or it could even happen while you're on vacation. No matter what, you need a great homeowner's insurance policy to keep your house protected. Before purchasing a policy, make sure to read these important insurance tips.You can lower your premiums through two ways. Get a security system. This may lower your premiums every year by 5 percent. The insurance company won't automatically know you've installed a security system, however, so you must submit proof of this. Next, put up several smoke alarms. That will save you about 10% each year.If you don't have photographs of your valuables, such as electronics and jewelry, you may have trouble replacing them through your insurance policy. This may seem like a lot of work, but only if your insurance company knows exactly what's been lost, damaged, stolen, or destroyed, will you be able to demonstrate what the fair replacement value of t…