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Reducing home insurance costs

Homeowners insurance costs should be factored in when moving.

Homeowners insurance costs should be factored in when moving.

One of the costs that should be considered when moving to a new location is homeowners insurance.

They vary not just from state to state, but also from one city to the next. If a consumer believes their homeowners insurance costs will rise after a move, there are certain things that can be done to lower it.

The first thing that should be considered is raising the deductible, financial website Bankrate.com advised. As much as one-quarter of the premium can be taken off by doubling the deductible.

Insurance agent Shaun Adams told Bankrate.com that "most homeowners have a $500 deductible. We've moved a lot of our clients to a $1,000 deductible because usually they won't file a claim anyway unless there's something large."

Other ways to lower homeowners insurance costs include making home improvements and keeping a high credit score, the financial website said. Once a person has settled into their new home, it's wise to review their policy regularly to make sure all of the information is accurate.

Consumers can search for competitive homeowners insurance rates online and consult locals for the best prices.ADNFCR-3450-ID-19842426-ADNFCR