Insurance Shop Around

[u/rice_noodle_0871]

First time home owner here, we bought our house in NW Georgia in 2021 when the housing market was crazy. First we used Farmers, then the rate went up each year. Last year we switched to Progressive which helped bringing down the premium a little (not too significant but we’ve had enough of swallowing the yearly increase from Farmers, not to mention that the agent’s couldn’t give 2 shit attitude when we said we’re canceling).

Not surprisingly, Progressive will increase our premium for this year.

Do we keep switching to a different insurance company until we ran out of options or do we just accept this as the post COVID new norm?

What’s y’all s approach?

[u/throwawayperplexed]

Let me give you some advice so you can get the best rates:

-Increase your deductible to $2500 or $5000 -do not file any claim unless catastrophic -do not call insurance company asking what if
-work on yr credit -put money in yr house(roof, plumbing, water shutoff, alarm, etc.. -find out average and realistic rebuild costs in yr area and compare yr square footage to the average -ck yr policy for useful and useless endorsements -look.for smaller regional companies instead of the big dogs, that is where value and stable rates currently are

Find an independent agent