How Can I Stop Overpaying for Home Insurance?
Money Girl
Macmillan Holdings, LLC
4.6 • 1.8K Ratings
🗓️ 17 April 2026
⏱️ 13 minutes
🧾️ Download transcript
Summary
1012. Feeling financially squeezed by the rising cost of homeowners insurance? Laura answers a listener’s question about how to pay less while maintaining coverage required by a lender. Find out how to protect your finances with home insurance without overpaying for it.
We talk about:
- Underlying reasons why homeowners premiums are rising, especially in high-risk areas.
- Tips for saving by increasing home insurance deductibles.
- Comparing the price of bundled coverage to policies with different carriers.
- How various home upgrades and technologies can qualify for money-saving discounts.
- The role that having good credit plays in reducing your home and auto insurance rates (in most states).
- Why proactively shopping and asking about potential homeowners insurance discounts is essential for cutting the cost.
Upcoming Wedding Series This May: We want your questions about wedding finances! Whether you're the bride, groom, or a guest, send us your questions about budgeting for the big day. Email: money@quickanddirtytips.com or leave a voicemail: (302) 364-0308.
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Transcript
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| 0:00.0 | Rebecca says, as prices go up, I'm trying to cut expenses wherever possible so I can invest more for the future. |
| 0:13.8 | I'm paying a ridiculous amount for insurance, especially for my homeowners, which has been |
| 0:19.1 | rising in Florida. |
| 0:26.5 | Is there any way to reduce home insurance while complying with what's required by my mortgage lender? |
| 0:28.8 | Thanks for your question, Rebecca. I also live in Florida and can certainly relate to your question, |
| 0:33.3 | as can many listeners who are homeowners. |
| 0:36.0 | While you can't control the underlying reasons why home insurance premiums have been rising, |
| 0:41.8 | there are plenty of hacks for fighting back. |
| 0:44.9 | This podcast will review tips for reducing the cost of home insurance without losing the |
| 0:49.5 | coverage your lender requires or putting your finances at risk. |
| 0:52.5 | Hey, everyone, welcome back to episode |
| 0:54.7 | 112 of Money Girl. This is Finance Friday, where I answer your burning money questions. |
| 1:01.3 | I'm Laura Adams, an award-winning author, spokesperson, money speaker, and founder of The Money Stack, |
| 1:06.8 | my substack newsletter. You can sign up for the Money stack and learn more at laura d adams.com. |
| 1:12.8 | You can also leave a voicemail with a money question or comment by calling 302-364-0308. I'd love to feature your |
| 1:23.1 | question on Finance Friday. Again, it's our weekly Q&A bonus edition of the show. And speaking of |
| 1:29.7 | rising costs, we're about to tackle a major expense for many of you, weddings. Throughout the |
| 1:36.3 | month of May, I'm hosting a special series on wedding finances, from guest etiquette to bridal budgets. |
| 1:43.5 | I want to answer your burning questions. |
| 1:45.7 | Have you been impacted by wedding costs recently? |
| 1:49.0 | Send me a voicemail or an email via laura d adams.com. |
| 1:52.9 | The details for both of those are in the show notes. |
... |
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