Shop your homeowners insurance annually, let me tell you my experience
Yes — shopping for your homeowners' insurance annually is generally a smart move.
Here’s why:
1. Rates change more than you think.
Insurance companies regularly adjust premiums based on inflation, claims data, weather patterns, and even changes to your credit or risk profile. A company that was the cheapest two years ago might now be in the middle of the pack.
2. Your coverage needs can shift.
If you’ve renovated, added security systems, bought expensive personal items, or paid off your mortgage, you may need to adjust your coverage — and some insurers may reward those updates with lower…
The skinny
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