Here on the gulf coast, as in many coastal areas, insuring your home can get EXTREMELY expensive because of the windstorm risk. Here’s something to consider. Raise your deductible. You will be amazed at how much money this can save you. Raising my deductible from 2% to 5% saved me almost 50% in my premiums. BUT – you MUST check with your mortgage company first to find out what the highest deductible is that they allow you to carry. Not all mortgage holders allow 5% deductibles. If they don’t allow 5%, price your insurance rates at 2% – you will still save money. And that’s a good thing!