First the disclosure: I do not sell insurance. I recommend talking with someone that does before making any changes. This is just to get you thinking...
 
If your homeowners insurance bill went up this year, you're not alone. According to a recent Pew Research Center survey, 71% of U.S. homeowners say their insurance costs have increased over the past few years. And it's not a small bump for most people. A full 42% say their costs have gone up "a lot." Here in Northeast Florida, I've been hearing the same thing from my clients. People open their renewal notice and do a double take. Some are calling their insurer for the first time in years. 
 
The good news is you're not stuck. There are concrete steps you can take to bring your premium down without putting your home at financial risk. Let’s walk through what's actually driving these increases and what's worth trying right now.
 
Why Premiums Have Climbed So Fast
The short version: insurance companies h. ...