Paying for homeowners insurance

What homeowners actually do when premiums jump: whether shopping around and raising deductibles help, what happens after a non-renewal, and what to document before the next renewal.

• My home insurance jumped again. What are homeowners doing? They're shopping around, raising deductibles, and bundling.
• Did shopping around save people money? Yes, usually by a lot.
• Did raising the deductible turn out to be worth it? Probably yes, if you didn't file a claim.
• What happened to people who got non-renewed? Most land on their feet, but it stings first.
• What made some homes suddenly expensive to insure? Climate risk rewrote the math.
• What do people wish they had documented before renewal? The lease terms, in writing.

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