# @nerdwallet on Instagram

- **Type:** Video
- **Original URL:** https://www.instagram.com/p/DZF6z3xSQGk
- **Gondola URL:** https://gondola.cc/posts/66347197-nerdwallet-instagram
- **Thumbnail:** https://img.gondola.cc/tr:w-,h-,fo-auto/postThumbnails/8d398e8a9f.jpg
- **Posted:** 2026-06-02T17:52:25.000+00:00
- **Account Owner:** NerdWallet (@nerdwallet) — https://gondola.cc/nerdwallet

## Caption

Home insurance premiums are up, deductibles are up, and claim denials are at record highs. Here's what to actually do about it 👇

→ Pull up your policy and check your deductible. Look specifically for percentage-based deductibles on wind, hail, or hurricane damage — these can be thousands more than you think.

→ Shop around. Only about 1 in 4 homeowners did this last year. It's the single most effective way to lower your premium without cutting coverage.

→ Check what's actually covered. Roof replacements, water damage, specific weather events — some of these may have been carved out or capped since you signed up.

→ Don't just cut coverage to save money. It makes the number smaller now, but it could cost you tens of thousands later if something actually happens.

→ Look into whether bundling saves you anything. Nearly half of homeowners bundle auto and home — but run the numbers, because bundling isn't always cheaper.

#homeinsurance #insurance #personalfinance #costofliving #money #housingmarket #financialliteracy

## Stats

- **Views:** 1,072
- **Likes:** 55
- **Shares:** 0
- **Comments:** 0

## Tags

personalfinance, money, costofliving, homeinsurance, housingmarket, insurance, financialliteracy

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