If your home suffers damage, you need to make sure you can comfortably pay your deductible. The first step is ensuring that you’re paying the least amount you should.
It would be best if you looked at your policy keenly. For instance, most plans factor in the value of the land your home sits on. This shouldn’t be the case because the land doesn’t face the same risks as the house. Talk to the insurance agent to ensure that they reduce the replacement value. Subsequently, your deductibles and premiums should reduce.
You can also save money by bundling your auto insurance, business policy, and home insurance with one company.