Car insurance companies are falling all over themselves to grab your attention with clever TV ads, giving the impression that lowering your premium is as easy as picking up the phone. But when it comes to homeowners insurance? Crickets.
Yes, it's pretty quiet on the home insurance front. For years, insurance companies have played a game of chicken with policyholders who dare to use their insurance. They've threatened to raise premiums — or refuse to renew your policy — when you make too many claims. Just one claim can raise your premium if it's the "wrong" kind — say, for plumbing leaks. Even many homeowners with no claims on their record are too intimidated to shop for a new carrier.
