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How Can I Reduce The Costs Of My Home Insurance

It is not uncommon for people to have their current home insurance policy because it was set up by their mortgage lender when they bought their home.
As a result, most people are unaware of their coverages, and even their rates. It isn’t until they see an increase in their mortgage payment that they begin to question “What is going on here!?!” They scramble to find the customer service phone number to their bank and find out why their payment has increased.
After speaking to their bank, they are informed that there was a shortage in their escrow because the home insurance went up and it resulted in their mortgage payment going up.
Now, the customer is really upset. After spending the better part of 30 minutes on hold, they are told it wasn’t even their fault, it was the insurance company. They proceed to call their agent office and chew them out. “Why does my home insurance keep going up?”

Why does my home insurance keep going up?

1) The cost to rebuild your home increase over time

If you look at your home insurance policy, you’ll notice a coverage at the top that is called “Dwelling Coverage”. This is the amount of money that the insurance company has determined it will take to rebuild your home.
One constant reason for increasing premiums is because the cost to rebuild your home goes up every year. With the cost of materials and labor increasing, it will require more dwelling coverage. As a result of increasing coverages, it affects the bottom line premium.
One thing to consider is that the older homes cost more to rebuild than newer homes. In northern California, we have a number of communities with older homes. These homes were built 60, 70, or even 100 years ago. The cost to rebuild these houses in the event of a major loss is more than the homes in newer communities where the home is less than 15 years old.

2) California insurance companies are increasing their home insurance rates

In 2018, every carrier is increasing their rates on auto and home insurance. The reasons behind this according to them is that they are all experiencing major losses throughout California from the last two years of fires and need to make up ground and refill the pot of money that claims get paid out of. As a result of their multimillion-dollar losses, everyone feels the brunt of their decisions.

“But Nick, I have never filed a home insurance claim, why do the companies penalize me?”

As a consumer who has a clean driving record and has never filed a home insurance claim, I am empathetic towards this logic. The way insurance works is you have to imagine a giant pot of money. Everyone pays money into this pot every month and every year. That money is used to pay out claims for everyone. If you ever did have a claim, it allows the insurance companies to write a check for $1000 all the way to $5 million. Essentially, your premiums pay for everyone else, and everyone else pays for you.
After the last few years in California, the companies have all taken massive losses. This is a result of big things like the recent wildfires, all the way to the severity and volume of auto accidents. We even wrote a blog about that topic here.

How Can I Reduce The Costs Of My Home Insurance?

1) Check Your Deductible

The average deductible for home insurance is $1000. Going back to the very first paragraph in this article, we mentioned that most people have their home insurance as a result of the lender they worked with setting it up for them. Most policies have this $1000 deductible because it’s just the “norm” on home insurance.
When we speak to clients, we find out that many of them wouldn’t even file a claim on their home insurance for damages under $2000. They typically tell us that they would take care of the issue themselves or hire a contractor to repair or fix damages.
So that begs the question, “why have a $1000 deductible if it is never even going to get used?”  Most people would agree that they would only file a home insurance claim if there was a major loss. As a result, we find that more and more homeowners are electing to have a higher deductible to save on their premiums.
The average difference in raising your deductible from $1000 to $2500 can be as high as 20% of the premium. With the likelihood of a claim being filed, these saving add up every year.

2) Bundle Your Auto Insurance With Your Home Insurance

This is self-explanatory. The more you “package” your insurance, the more discounts you receive. There are only a few instances where it makes sense to split up your policies with different insurance carriers. The majority of the time it can help you save an extra 20-30% on both your home and auto insurance.

3) Evaluate Your Insurance Every Year With Your Agent

Because California insurance rates are volatile and change every year, it’s a good idea to connect with your insurance agent and go over options to see if a different carrier is a better fit. If your insurance agent only offers one product or a few variations of the same product, or if you did everything online and don’t have an agent, then it’s a better idea to consult with an independent agent who can look at the overall insurance marketplace for you. Luckily for you, we know just the right agency.

How I Got $389.21 Back

Because I elect to get my insurance through an independent agency, I am able to have my rates evaluated every year. When it came time to renew my home insurance, I elected to go with a different carrier that was a great fit for me and my needs. I also determined that I could raise my deductible to $2500 and as a result, it helped me lower my premiums.
When it came time for my bank to pay for the insurance, I had a surplus. When there is a surplus, the bank will send me a check. This is how I was able to get back $389.21
If you have caught yourself asking the question “Why does my home insurance keep going up?” Then fill out the form on this page and talk with one of our independent agents. We can tailor a policy that meets your needs from a coverage aspect and also a budget aspect.
I80 Insurance works with only top-rated home insurance companies. Our motto isn’t to simply find you the cheapest company but to prescribe solutions to your areas of concern.
We are able to meet with you in person if you’re local or utilize a wide array of technology such as video, text, and email if you’re not able to meet locally.
If you were interested in learning more about Nick’s research on passing gas, you may read the article here It was found online, so you know it’s true.

See How Much You Can Save On Your Home Insurance By Filling In The Form Below

Insurance medical-expense tax deductions

No one wants to be ill, but at least Uncle Sam gives Americans a little relief in the form of federal income-tax deductions for medical expenses.

Let Insurance.com help you find affordable health insurance now.

"Medical bills can be a huge expense, so the Internal Revenue Service gives people a break so they can recoup some of that money," says Lisa Greene-Lewis, a certified public accountant with TurboTax.

But who can deduct what can be complicated, and experts say few taxpayers fully understand the rules.

Here's a look at the basics of deducting medical expenses from your federal income taxes. Consult your tax adviser for specifics regarding your personal situation.

Who qualifies for medical-expense tax deductions?

The Internal Revenue Code includes two important rules that can limit who truly qualifies for relief from medical expenses:

• You must generally itemize deductions on Form 1040 Schedule A rather than take the "standard deduction" if you want a break on medical expenses. If what you plan to deduct for everything (from medical bills to mortgage interest) adds up to less than the standard deduction ($6,350 for singles, $9,350 for heads of household and $12,700 for married joint filers for tax year 2017), there's no point in itemizing.
• Taxpayers can only deduct allowable medical expenses that exceed 7.5 percent of "adjusted gross income" (AGI). That's the amount you earn in a given year from wages, investments and other sources minus what you paid for alimony, student-loan interest and a few other things. So, if a married couple has $100,000 AGI and $8,000 of qualified medical expenses, they can deduct only $500--$8,000 minus $7,500 (7.5 percent of their $100,000 AGI).

Are health insurance premiums tax deductible?

Yes, in certain circumstances, you can deduct your health insurance premiums as part of your overall medical expenses.

But you can deduct only premiums that you pay with after-tax money from your own pocket. For example:

• If your health insurance premiums are paid entirely by your employer or the government, you cannot deduct the cost.
• If you have health insurance through your employer and your share of the premium is deducted from your paycheck pre-tax, you cannot deduct the cost because the premiums were tax-free already.  If you don’t know whether you pay pre-tax or after-tax, ask your human resources department.
• If you buy health insurance through the state- or federally run health insurance marketplaces, you can deduct only the portion of the premium you pay out of your own pocket. You cannot deduct the amount of any subsidy.
• If you buy an individual or family health insurance plan, either on the open market or through a marketplace, and you pay all of the cost out of pocket, then the whole amount is deductible.
• Your total medical expenses, including premiums, must surpass 7.5 percent of your adjusted gross income to be deductible.

For 2017, the self-employed have several deductions and tax credits they can use. For detailed information, visit the self-employed health insurance deduction 2017 section of the federal Affordable Care Act website.

What other medical costs are tax deductible?

Assuming you pass the above tests, the IRS lets you write off pretty much every out-of-pocket medical expense that's ordered by a doctor or other health care professional. (See IRS Publication 502 for a list.)

Common items you can deduct from taxes include medical appointments, tests, prescription drugs and durable items like wheelchairs and prescription glasses. In fact, you can even write off unusual expenses if they're medically necessary.

You can also deduct transportation expenses for going to the doctor -- parking, tolls, mileage, cab or bus fares -- and even air fare and certain lodging costs for out-of-town treatments.

But remember, you can only write off out-of-pocket expenses -- copays, deductibles, etc. -- not bills that your insurance covers.

What heath expenses are not tax deductible?

There's a wide list of things you can't deduct, from medical marijuana to over-the-counter vitamins and drugs (except insulin). Hair transplants and cosmetic surgery are also out, unless procedures correct underlying medical problems (like breast-reconstruction surgery following mastectomies).

As noted above, you also can't deduct expenses that your insurance covers, nor things you paid for with money from a flexible spending account or health savings account. If you get insurance through work, you typically can't write off your share of the premiums because your employer won't normally withhold taxes on the money in the first place.

Writing off health insurance for the self-employed

One big exception to the above rules involves health insurance premiums paid by self-employed people. You can write those off as adjustments to income even if you don't itemize your deductions. The adjustment to income cannot exceed what you earned, though.

Self-employed people can deduct health insurance premiums directly on Form 1040 (Line 29 on returns for the 2017 tax year). You deduct all other qualified medical expenses on Schedule A, Line 1.

How to maximize your health care deductions

You obviously can't control when you get sick, but Greene-Lewis says Americans who are close to meeting the annual AGI threshold should "bunch up" procedures to maximize any deductibility.

For instance, if one family member has a major illness in a given year and rings up big hospital bills, everyone else in the family should get any needed dental work, prescription eyeglasses, etc., during the same year in order to boost the available tax break.

"You should look at anything you were putting off and bump it up [to the current tax year] if that's going to put you over the AGI threshold," she says.

You don't need to attach receipts to your 1040, but it's a good idea to keep them for three years after filing your return just in case the IRS audits you.

How to Make Yourself Save Money

Most advisors and financial experts will tell you that the only way to become wealthy is to save. The problem with saving is that most people get more value and joy from spending their extra money than they get from saving it. If you fall into this category, when faced with the choice of getting immediate joy from buying something right now versus saving for some distant time in the future, buying something today is a much more attractive choice.

Why is Saving Money So Difficult?

Imagine you and I were going to meet a week from today. For our meeting, I want to offer you a snack. You can choose a fruit or chocolate. Which one do you want?

When researchers did this experiment, they found that 74% of participants said they wanted fruit a week before the meeting but on the day of the meeting, 70% decided they wanted chocolate. Why did so many people say they wanted fruit only to change their mind to chocolate? It’s the same reason why it’s so painful to save for the future when instead we could spend the money today. (For more, see: Why Saving Money is Important.)
Those who chose the fruit were trying to make a healthy decision. Since the snack was a week away, it was easier to make a smarter choice. But when it came down to actually eating the snack, most of them changed their minds and decided to go for the less healthy snack instead. We put a large amount of value on right now and very little value on the future.
Here is another example: Would you prefer a 15-minute massage now, or a 30-minute massage in one day? If you are like most people, you said you wanted the massage right now. But if I ask you if you want a 15-minute massage in seven days or a 30-minute massage in eight days, what would your answer be?
Did you choose the 30-minute massage in eight days this time? The massage times are the same and the time between each option is the same as the last example. What’s going on here? The same effect is at work. We want it now, whether it is chocolate, massages, spending money, etc. Having a little piece of goodness right now is so much more appealing than having a whole lot more goodness in the future.
This can heavily impact our desire and motivation to save. We are told to save our money today so we can have a great retirement, but what we hear is, “deprive yourself of something you want right now because in forty years it might help you.”
Does this mean we are destined to spend a lot and save a little? If the choice is between guaranteed enjoyment now versus the possibility of enjoyment a few decades from now, then yes, possibly.
So, what’s the solution to the issue with saving money? Flip the script by eliminating your choices to not save. This is done by creating a systematic savings strategy. Rather thanput yourself in a situation where you have to decide between now or later, it’s better to avoid the decision altogether. The solution is generate enough willpower to set up your systematic savings strategy once and then you can forget about it. Here’s how you can do it:

Contribute to Your 401(k)

This is an easy way to save because you set it up once and then it runs automatically without any effort or decisions from you in the future. Every time you get paid, a small piece of your paycheck gets split off and put into your 401(k). The advantage of this approach is that the money doesn’t reach your bank account for you to spend. It also has the benefits of potentially saving you money in taxes. You may even get free money from your company - which is called a company match. If you pay little or no income tax, there may be better strategies but for most people, it’s a great way to save. (For more, see: 10 Ways to Effectively Save for the Future.)

Use Direct Deposit

Direct deposit is also an easy way to save effortlessly. The advantage is that you only have to make the decision to save once. After it is set up, it will run behind the scenes automatically. Instead of receiving a check that you have to bring to the bank to deposit (this takes way too much time and willpower), your paycheck can be automatically and directly deposited into a bank or investment account for you.

Take Advantage of Automatic Transfers

If your employer doesn’t offer direct deposit, you can still create a systematic savings strategy. Use automatic transfers through your bank to transfer money from your checking to a savings or investment account.

For example, you can tell your bank that you want to schedule an automatic transfer of $200 on the first of every month from your checking account to your investment account. These automatic bank transfers are slightly more time consuming to set up. But once they are set up, they run automatically without any other effort or action on your part.

Technology Can Help You Save

There are quite a few apps available that can make saving easier. They range from unobtrusive (rounding up on purchases and saving the difference) to extreme (pulling money out of your bank account based on the application’s algorithm). Because apps and technology change so quickly, the best bet is to search “apps to automatically save money.”

Most people experience the difficulty of choosing to save money that they would much rather spend, so it is best to employ some of these strategies to avoid the dilemma in the first place. (For more from this author, see: The 6 Biggest Sudden Wealth Mistakes.)

How to Make Yourself Save Money

Most advisors and financial experts will tell you that the only way to become wealthy is to save. The problem with saving is that most people get more value and joy from spending their extra money than they get from saving it. If you fall into this category, when faced with the choice of getting immediate joy from buying something right now versus saving for some distant time in the future, buying something today is a much more attractive choice.

Why is Saving Money So Difficult?

Imagine you and I were going to meet a week from today. For our meeting, I want to offer you a snack. You can choose a fruit or chocolate. Which one do you want?

When researchers did this experiment, they found that 74% of participants said they wanted fruit a week before the meeting but on the day of the meeting, 70% decided they wanted chocolate. Why did so many people say they wanted fruit only to change their mind to chocolate? It’s the same reason why it’s so painful to save for the future when instead we could spend the money today. (For more, see: Why Saving Money is Important.)
Those who chose the fruit were trying to make a healthy decision. Since the snack was a week away, it was easier to make a smarter choice. But when it came down to actually eating the snack, most of them changed their minds and decided to go for the less healthy snack instead. We put a large amount of value on right now and very little value on the future.
Here is another example: Would you prefer a 15-minute massage now, or a 30-minute massage in one day? If you are like most people, you said you wanted the massage right now. But if I ask you if you want a 15-minute massage in seven days or a 30-minute massage in eight days, what would your answer be?
Did you choose the 30-minute massage in eight days this time? The massage times are the same and the time between each option is the same as the last example. What’s going on here? The same effect is at work. We want it now, whether it is chocolate, massages, spending money, etc. Having a little piece of goodness right now is so much more appealing than having a whole lot more goodness in the future.
This can heavily impact our desire and motivation to save. We are told to save our money today so we can have a great retirement, but what we hear is, “deprive yourself of something you want right now because in forty years it might help you.”
Does this mean we are destined to spend a lot and save a little? If the choice is between guaranteed enjoyment now versus the possibility of enjoyment a few decades from now, then yes, possibly.
So, what’s the solution to the issue with saving money? Flip the script by eliminating your choices to not save. This is done by creating a systematic savings strategy. Rather thanput yourself in a situation where you have to decide between now or later, it’s better to avoid the decision altogether. The solution is generate enough willpower to set up your systematic savings strategy once and then you can forget about it. Here’s how you can do it:

Contribute to Your 401(k)

This is an easy way to save because you set it up once and then it runs automatically without any effort or decisions from you in the future. Every time you get paid, a small piece of your paycheck gets split off and put into your 401(k). The advantage of this approach is that the money doesn’t reach your bank account for you to spend. It also has the benefits of potentially saving you money in taxes. You may even get free money from your company - which is called a company match. If you pay little or no income tax, there may be better strategies but for most people, it’s a great way to save. (For more, see: 10 Ways to Effectively Save for the Future.)

Use Direct Deposit

Direct deposit is also an easy way to save effortlessly. The advantage is that you only have to make the decision to save once. After it is set up, it will run behind the scenes automatically. Instead of receiving a check that you have to bring to the bank to deposit (this takes way too much time and willpower), your paycheck can be automatically and directly deposited into a bank or investment account for you.

Take Advantage of Automatic Transfers

If your employer doesn’t offer direct deposit, you can still create a systematic savings strategy. Use automatic transfers through your bank to transfer money from your checking to a savings or investment account.

For example, you can tell your bank that you want to schedule an automatic transfer of $200 on the first of every month from your checking account to your investment account. These automatic bank transfers are slightly more time consuming to set up. But once they are set up, they run automatically without any other effort or action on your part.

Technology Can Help You Save

There are quite a few apps available that can make saving easier. They range from unobtrusive (rounding up on purchases and saving the difference) to extreme (pulling money out of your bank account based on the application’s algorithm). Because apps and technology change so quickly, the best bet is to search “apps to automatically save money.”

Most people experience the difficulty of choosing to save money that they would much rather spend, so it is best to employ some of these strategies to avoid the dilemma in the first place. (For more from this author, see: The 6 Biggest Sudden Wealth Mistakes.)

How to Make Yourself Save Money

Most advisors and financial experts will tell you that the only way to become wealthy is to save. The problem with saving is that most people get more value and joy from spending their extra money than they get from saving it. If you fall into this category, when faced with the choice of getting immediate joy from buying something right now versus saving for some distant time in the future, buying something today is a much more attractive choice.

Why is Saving Money So Difficult?

Imagine you and I were going to meet a week from today. For our meeting, I want to offer you a snack. You can choose a fruit or chocolate. Which one do you want?

When researchers did this experiment, they found that 74% of participants said they wanted fruit a week before the meeting but on the day of the meeting, 70% decided they wanted chocolate. Why did so many people say they wanted fruit only to change their mind to chocolate? It’s the same reason why it’s so painful to save for the future when instead we could spend the money today. (For more, see: Why Saving Money is Important.)
Those who chose the fruit were trying to make a healthy decision. Since the snack was a week away, it was easier to make a smarter choice. But when it came down to actually eating the snack, most of them changed their minds and decided to go for the less healthy snack instead. We put a large amount of value on right now and very little value on the future.
Here is another example: Would you prefer a 15-minute massage now, or a 30-minute massage in one day? If you are like most people, you said you wanted the massage right now. But if I ask you if you want a 15-minute massage in seven days or a 30-minute massage in eight days, what would your answer be?
Did you choose the 30-minute massage in eight days this time? The massage times are the same and the time between each option is the same as the last example. What’s going on here? The same effect is at work. We want it now, whether it is chocolate, massages, spending money, etc. Having a little piece of goodness right now is so much more appealing than having a whole lot more goodness in the future.
This can heavily impact our desire and motivation to save. We are told to save our money today so we can have a great retirement, but what we hear is, “deprive yourself of something you want right now because in forty years it might help you.”
Does this mean we are destined to spend a lot and save a little? If the choice is between guaranteed enjoyment now versus the possibility of enjoyment a few decades from now, then yes, possibly.
So, what’s the solution to the issue with saving money? Flip the script by eliminating your choices to not save. This is done by creating a systematic savings strategy. Rather thanput yourself in a situation where you have to decide between now or later, it’s better to avoid the decision altogether. The solution is generate enough willpower to set up your systematic savings strategy once and then you can forget about it. Here’s how you can do it:

Contribute to Your 401(k)

This is an easy way to save because you set it up once and then it runs automatically without any effort or decisions from you in the future. Every time you get paid, a small piece of your paycheck gets split off and put into your 401(k). The advantage of this approach is that the money doesn’t reach your bank account for you to spend. It also has the benefits of potentially saving you money in taxes. You may even get free money from your company - which is called a company match. If you pay little or no income tax, there may be better strategies but for most people, it’s a great way to save. (For more, see: 10 Ways to Effectively Save for the Future.)

Use Direct Deposit

Direct deposit is also an easy way to save effortlessly. The advantage is that you only have to make the decision to save once. After it is set up, it will run behind the scenes automatically. Instead of receiving a check that you have to bring to the bank to deposit (this takes way too much time and willpower), your paycheck can be automatically and directly deposited into a bank or investment account for you.

Take Advantage of Automatic Transfers

If your employer doesn’t offer direct deposit, you can still create a systematic savings strategy. Use automatic transfers through your bank to transfer money from your checking to a savings or investment account.

For example, you can tell your bank that you want to schedule an automatic transfer of $200 on the first of every month from your checking account to your investment account. These automatic bank transfers are slightly more time consuming to set up. But once they are set up, they run automatically without any other effort or action on your part.

Technology Can Help You Save

There are quite a few apps available that can make saving easier. They range from unobtrusive (rounding up on purchases and saving the difference) to extreme (pulling money out of your bank account based on the application’s algorithm). Because apps and technology change so quickly, the best bet is to search “apps to automatically save money.”

Most people experience the difficulty of choosing to save money that they would much rather spend, so it is best to employ some of these strategies to avoid the dilemma in the first place. (For more from this author, see: The 6 Biggest Sudden Wealth Mistakes.)