Home Insurance Affordability Tips

The cost of home insurance is becoming more expensive in many parts of the country. The new normal is to pay more attention to, and more for, your home insurance. 

Here are tips for keeping your home insurance affordable:

  • Find our what discounts are available and ask for those you qualify for
  • Bundle your home, auto and/or umbrella policies with one insurance company.
  • Work with an experienced, pro-active insurance agent / broker 
  • Raise your deductible. A higher deductible reduces your premium.  Too high a deductible means your insurance won’t cover even a moderate-sized claim. 
  • Avoid making small claims. Your claim history impacts your risk score. Your risk score impacts your insurance options and costs. 
  • Reduce/eliminate coverage you can live without (e.g. high dollar limits on contents, Other Structures)
  • Do as much mitigation as you can to reduce the risk of your home being damaged or destroyed in a severe weather event. Seek out programs in your community that offer mitigation help and/or grants.
  • Provide your insurer with documentation of completed mitigation steps and/or your community’s risk reduction activities.
  • Reducing your coverage to Actual Cash Value coverage should be a last resort option

last updated July, 2026

The information presented in this publication is for general informational purposes and is not a substitute for legal advice. If you have a specific legal issue or problem, United Policyholders recommends that you consult with an attorney. Guidance on hiring professional help can be found in the “Find Help” section of www.uphelp.org. United Policyholders does not sell insurance or certify, endorse or warrant any of the insurance products, vendors, or professionals identified on our website.

Source: https://uphelp.org/buying-tips/home-insurance-affordability-tips/
Date: July 21, 2026