Insurance quotes on a $400k house are like car insurance quotes — nobody pays the first thing they see. 😂 I got quoted $1,100/year, and then my buddy in the same city with basically the same house got $2,300/year. What changed? He has an old roof and no security system.
If you want cheaper:
Bump the deductible to $2k or $5k.
Bundle home + auto.
Add alarms/security systems.
But don’t cheap out so much that you can’t pay to rebuild if the house burns down. Then you’re just saving pennies and risking dollars.
Insurance quotes on a $400k house are like car insurance quotes — nobody pays the first thing they see. 😂 I got quoted $1,100/year, and then my buddy in the same city with basically the same house got $2,300/year. What changed? He has an old roof and no security system.
If you want cheaper:
But don’t cheap out so much that you can’t pay to rebuild if the house burns down. Then you’re just saving pennies and risking dollars.