Home insurance can cost less - h:ere are a few ideas:
Maintain home insurance continuously. When you sell your home and will rent a while, consider moving it to tenant's insurance. By having a continuous period of coverage, you may qualify for an increasing premium discount
When it is coming close to renewal, consider getting a couple quotes. If the coverage is satisfactory for you, and the price significantly lower than your current premium, it gives you an opportunity to let your current insurer know. They may offer to negotiate your renewal premium by a little bit. If it's not enough, then you have a place to move your business.
Consider raising your deductible. This is something you should consider before doing. You could ask your insurer to run a quote on a renewal for a higher deductible, and see if the difference in cost is worth it. Just remember that by doing so, you are taking on a bit more of the risk - as the deductible will likely apply for each claim made.
Consider whether you want to remove any riders on your policy. Riders are add-ons, and are usually optional. Again, by removing a rider you will be taking on a bit more of the risk by also removing that coverage - so it is something to think through before just pulling it out.
Ask about discounts for safety measures. Most insurers will be happy to offer a discount for things like burglar alarms - preferably monitored, sprinkler systems, and potentially even things like water and energy efficient appliances (they are less likely to cause significant water damage). There may be other opportunities to ask about - especially if you wanted to make your home safer anyways.
Consider paying annually - specifically if your insurance company charges interest for monthly payment.
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