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Raise Your Deductible homeowners who switch from $250 deductible to a $500 can save around 2% to 3% and those who choose $5,000 or more will save more, but if you have a loss you will have to pay more out of pocket.

Don't confuse what you paid for your house with rebuilding costs

Buy your home and auto policies from the same insurer

Make your home more storn or disaster resistantsome insurers give credits for reinforcing a roof, storm shutters, modernizing electrical and heating systems.

Improve your home security Seek out other discounts

Maintain a good credit record

Review the value of your possessions and the limits in your policy at least once a year

Look for private insurance if you are in a government plan

When you're buying a home, consider the cost of homeowners insurance

Betty Garcia

786 229 3636