Homeowners insurance premiums have soared in recent years. How to reduce your costs

Residents watch as a wildfire moves down a hill at Runkle Canyon Park on May 19, 2026, in Simi Valley, California. Kayla Bartkowski | Los Angeles Times | Getty Images Homeowners insurance costs have risen sharply for many people around the U.S. in recent years. Policyholders looking to reduce their premiums have some relatively straightforward options, according to insurance experts. Other maneuvers require a financial investment that could ultimately save money in the long run, they said. …