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How do you reduce your home insurance premiums?

My home insurance premiums went up by $100 this year. I already thought they were pretty expensive, so I’m frustrated that I’m paying even more. How can I reduce my home insurance premiums?

avatar
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
An increase in bills can always be frustrating! Insurance companies change their rates often, so it’s not uncommon to have rate increases. Luckily, there are several ways to lower your
home insurance
, including:
  • Shopping around
  • Find discounts you’re eligible for
  • Reviewing your coverages
The easiest way to save money on your home insurance premiums is by shopping around. Since rates vary between companies, you may be able to save by simply switching to another company.
If you’d rather leave the hard work of gathering quotes to someone else, use
Jerry
. The Jerry app can collect quotes from top insurance companies, like Berkshire, State Auto, Safeco, and Travelers, in seconds. They even help cancel your old policy once you’ve made your pick.
Another option is to call your current insurer and see if you’re eligible for any additional discounts. Many companies offer discounts for
bundling your home and auto
or by having safety or security equipment installed in your home. For example, you could save an additional percentage on your policy if you have a doorbell camera or alarm system.
Finally, you can also look at your coverages. Your home insurance needs can change over time, so you may find you don’t need the same amount of coverage you had when you first purchased your home. By reviewing your policy every year, you can ensure you aren’t paying for unnecessary coverage.
Good luck!
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

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