Is Homeowners Insurance Negotiable? 
-- > Normal 0 With no disrespect , my response to this question might be slightly different . Every insurer may have a rating structure they use to calculate a premium but rates will vary from insurer to insurer and one insurer may have several rating tiers they can use for pricing flexibility . So my response to this question would be , yes , you may be able to negotiate more favorable rating treatment if you request it . So dont be afraid to pursue the availability of additional discounts , preferred rating treatment for good credit , recent structural upgrades , no prior claims , multiple policies with the same insurer , etc. . 