Is Homeowners Insurance Negotiable? 
Homeowners Insurance premium is not Negotiable!Insurance companies hire the services of actuarial firms to calculate the premium necessary for each type of risk ; the very skilled services of actuaries are crucial to the liquidity of an insurance company . Some States require that the premium and underwriting structure be submitted to the Department of Insurance for approval prior to release to the public ; other States simply require that the premium and underwriting rules are set in writing before release . The only way to change the premium of a policy is to either qualify for a discount , change the deductible or change the limits of coverage . It is a good idea to obtain your quote online in advance and with today 's technology , you 'd be able to change options and simply see the premium change as you change your desired options . There is alink providing an online format to obtain a quote and buy home insurance online in multiple States ; may be used by Escrow/Closing Professionals , Mortgage Professionals , Real Estate Agents and directly by Consumers . An exemplary online experience for all ! WEBSITELINK 