Six Ways to Save on Homeowners Insurance

1. Analyze your homeowners insurance to see if there's anycoverage you have that you can do without.

2. Take higher deductibles.

3. Show your insurance company that you're taking action toreduce the risk of mold-related damage.

4. Condo owners need to know what the condo association coversso as not to double insure.

5. Buy earthquake insurance from insurance carriers that writeonly earthquake insurance. They usually have lower rates than carriersthat offer a variety of policies.

6. Flooding is the most common type of natural disaster,whether or not you're close to any lake, river or ocean. Consider floodinsurance, even if you're not required to buy it.