Home insurance rates have surged, especially in high-risk areas for fires and hurricanes. Rates have increased by nearly 38% nationwide since 2019, with some states experiencing even higher spikes. Residents, like Gauruv Bhardwaj in southern California, are facing up to 200% rate hikes. To save on premiums, consider raising deductibles and reviewing policy details. Making home upgrades such as security systems can also lead to lower monthly payments.
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