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Some of you may have started to notice an increase in your homeowners insurance premium....and you're asking "What the What."  It's a fair question and the answer, in part, is what we call "hardening of the market."  This is where insurance carriers increase rates due to an increase in losses from situations such as natural disasters.  The past few years have been tough on everyone with hurricanes, tornados, wildfires and such. 

While rate increases affect just about all insurance providers and clients, there are things you can do to help combat any personal premiums increases, with your first line of defense being your independent insurance agent.  They will work with you to find the best coverage for the best price (having access to numerous insurance companies).  And they can help you develop a strategy that will give you the most economic program.

Below is an interview with Spencer Houldin, an independent insurance agent, where he discusses rate increases and gives some great tips on helping you reduce those increases.

http://www.youtube.com/watch?v=2m6h5VEsHhY 
Posted 11:23 AM  View Comments

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