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There are several strategic ways to lower your home insurance premium. The primary one is to shop around and get quotes every few years to make sure you’re getting the best deal. Also, sometimes bundling your auto and homeowner’s insurance will get you a discount on both. Finally, try to keep your credit score up; many homeowner insurance companies use credit scores to generate quotes.

Leaving lights on raises the electric bill, but not as much as having high-wattage light bulbs. The best way to save on electric costs is to swap your light bulbs to LED or CFL bulbs that use far fewer watts. You can also use smart lights and light switches to control usage via a smartphone or voice-controlled device.

You can check your home's humidity in a few ways. A simple option is to use a hygrometer, which you can find at a hardware or big box store. Your smartphone may also have an app that can measure humidity. Modern thermostats, particularly smart thermostats, are also able to measure humidity levels.

Smart glass doesn’t use a lot of electricity, and you can expect a standard window to add between $1 and $2 per year to your electric bills. Smart glass is proof that energy-efficient windows work. Although your smart windows may consume a little energy to operate, they can save enough energy to offset the costs. If you’re concerned about the minimal bump to your electricity consumption, you can opt for smart tint, which doesn’t require electricity to work.