Is Home Insurance Negotiable? 
Homeowners Insurance is filed with the individual state insurance department for rate filing . Most states that I 'm aware of will not allow for negotiation of prices or `` rebating '' returning commission to an insured . To get the best rate I would concentrate on searching the entire market . Make sure to check different deductible levels . It is usually a very competitive market , if you do your homework you should find the best value . Always remember to check `` apples '' to `` apples '' on quotes . Try and get proposals with matching dwelling amounts and deductible limits so you know you are comparing them equally . Hope this answer helps . 