If you prevent your home from being vulnerable to natural disasters like hail, windstorms, earthquakes, fires and floods, you would protect your home and possessions and save a lot on premiums. You could do this by reinforcing your roof, buying stronger roofing materials and adding storm shutters. In earthquake prone areas, you could make your home earthquake proof by refitting it. You could also consider upgrading your electrical, heating and plumbing systems to reduce fire and water damage. You could also ask your insurance agent what more steps you could take so that your home will be resistant to damages.