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Some homeowners insurance providers will give you incentives that can help you save money. For example, insurance rates are generally lower if you own your home outright rather than still paying off a mortgage. So you might be in line for a rate reduction if you completely pay off your mortgage.
Obviously this is not something most people can do in a year or two, but when the time comes that you do pay off your mortgage you could reap some insurance rewards. When you are comparing home insurance rates and looking for opportunities for savings now and in the future, you might want to factor things like this and other incentives offered into your decision.
Long periods of early or on time payments is another area you might see rewards from. So always be on the lookout for these opportunities. You should also ask about incentive-based savings every time you update your plan or request quotes.