Getting homeowners insurance is not as daunting if you know how to get around the fees and the high premiums.
Most insurance companies will try and look for a loophole in the policy so that when the time comes, they will have to pay you a minimal amount. However, if you raise your deductible insurers will have a hard time lowering your insurance claims.
Your deductibles are the amount of money that you need to pay for a particular loss or damage before the insurance company can start paying a claim. When your deductibles are high, you can save a lot of money on your premiums. The standard deductible rate followed by most home insurance companies are at least $500, but if you can raise it to $1,000 you can save as much as 25% on your premiums in the long run.
Check with your insurance provider for the deductibles applicable in your area. Some disaster prone areas have a separate and a specific amount for deductibles for certain kinds of losses or damages. There are earthquake deductibles, windstorm deductibles, deductibles for hail, etc.