Review Your Policy Annually — Insurance needs change; a yearly review can save you from overpaying or missing important coverage.

Bundle Your Policies — Combining home, auto, and other insurance with one provider usually unlocks discounts and simplifies management.

Increase Your Deductible to Lower Premiums — If you can afford a higher deductible, your monthly premiums may drop significantly.

Understand Inflation Protection — Make sure your homeowners or renters insurance adjusts for inflation to keep up with rebuilding costs.