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You can probably figure out that buying smoke detectors, fire extinguishers and a home security system will reduce your homeowners insurance rates. After that, the brainstorming gets cloudier. Is there a trampoline in your backyard? A swimming pool? Getting rid of those would help, but if you have homeowners insurance, your agent has probably told you that. [read more]

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One way to save on auto and homeowner's insurance is to increase your deductible. Raising your deductible on your homeowner's insurance from $500 to $1,000, for instance, could save you up to 25% on your annual premium, according to the Insurance Information Institute.[...]

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Some insurance companies may have to take the good with the bad.

By DAVID ROYSE

Companies that sell property insurance in other states must sell it in Florida if they want to offer car insurance here, state lawmakers agreed Friday.

The agreement was one of a handful Senate and House members worked out as they culled a number of ideas aimed at fixing Florida’s insurance woes. Legislators also agreed on proposals to allow some homeowners — mostly those who own their homes outright — to go without wind coverage. LINK.

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car insurance, savings