11/02/2026
When was the last time you shopped around for home insurance? Because that one move could save you hundreds of dollars a year.
With home insurance taking up a bigger chunk of monthly housing costs, that's an opportunity worth looking into.
And the numbers are pretty eye-opening.
According to Intercontinental Exchange, homeowners who switched insurance companies saved an average of $440 a year. Their premiums dropped 6.6%, while homeowners who stayed with their existing provider saw costs climb 10.4%.
That's a big difference just for shopping around.
And here's more good news: Home insurance costs are still rising, but the pace of those increases is finally slowing down.
So, what does this mean if you're buying a home?
Don't assume the first insurance quote you get is the best one. Comparing providers could help you keep your monthly payment more manageable.
And if you're open to new construction, there's another potential advantage. Newly built homes typically cost 10–15% less to insure than older ones, according to John Burns Research and Consulting.
Want help finding ways to make your next move more affordable? Send me a message. Let's talk.
