How to curb your homeowners insurance cost [Video]

SAN ANTONIO – The cost of insuring your home continues to climb. In Texas, rates jumped about 23% last year, pushed by costly, extreme weather disasters and inflation. Here are some ways to try to trim your rising premium.

Start by shopping around. Consumer Reports says to consider a local independent agent or broker who sells policies from several insurance companies. They might also recommend policy add-ons to help your coverage keep up with inflation, which is important when you file a claim.

The website helpinsure.com can also help you compare companies and policies in Texas.

While you’re at it, bundle coverage. Purchasing your homeowners and auto coverage from the same company can provide savings of up to 30% overall.

Keep your deductible high. Higher deductibles mean lower premiums. Going to a $1,000 deductible from $500 might shave your premium by 25%.

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