7 Efficient Ways to Lower Your Home Insurance Costs

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2. Go with higher deductibles

A deductible is how much money a homeowner pays out of pocket when he or she files a claim with the insurance company. Once you pay your deductible, the insurance company takes over and pays the rest of the money. So, if you go with a higher deductible, you will lower your monthly premium.

Unfortunately, this comes with a twist. Higher deductibles can save you money in the short-term, but they can be a costly mistake if you don’t have at least the amount of your deductible in your savings.

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