Your home insurance: - If you think about it, you can actually save up to several hundred dollars if you buy insurance from a low-price but licensed insurer. Compare prices of the insurance departments in your state and get the lowest price but most practical company. - Negotiate a lower selling price with a broker who works for you and not as the mediator to the seller. There may be a conflict of interest if there are too many people involved. So negotiate with just the broker.