Premiums ↑ nearly **70%** since 2021; another **16%** rise projected by 2027.
Experts urge shopping around, reviewing deductibles, and updating discounts to save money.
Long-term savings: invest in resilient upgrades like new roofs, security systems, and impact-resistant features.
Cutting coverage or underinsuring can backfire, especially with rising construction costs.
Review policy details yearly—check exclusions, deductibles, and limits to avoid costly gaps.