Are You Paying Too Much For Your Homeowner’s Insurance?





  • A trampoline for my kids (they really want one)
  • Groceries for over a month for our family of five
  • Quite a few cute outfits for my kiddos
  • A cute outfit or two for me 😉
  • Three nights in a hotel room (have I mentioned lately how much I love traveling?)
  • A few new rocking chairs for my front porch
  • Some much needed new bedding for my youngest daughter's bedroom


And all that $360 cost us was a ten minute phone call. Talk about a great hourly rate!


Have you checked lately to make sure you're getting the best price on homeowner's insurance for your family?  For just a few minutes of your time, you can contact one of Dave Ramsey's Endorsed Local Providers (an ELP) who works specifically to find the best insurance policy and price to suit your family. Contacting an ELP is completely free, and you can get a better idea as to whether or not you're getting the most value for your money with your current insurance plan.


There are lots of bills in our family's budget that I have no control over ~ I can't drastically change my mortgage payment, water bill or electricity bill without making some major changes in the way we live. However, I've got  complete control over my grocery budget (my favorite way to save each week!), and with just a quick phone call my husband took control of our insurance bill and saved our family $360. A quick call to a local ELP may save you $30 a month or even more, and it won't cost you a thing!


Try contacting your local insurance ELP to see what discounts they can offer you. Dave Ramsey's Endorsed Local Provider program is also a great place to find tax help, a local realtor, or even investing advice.  To get more info, click HERE and save on your home and auto insurance today!


This is a sponsored by Dave Ramsey’s Endorsed Local Providers, however all opinions are my own. 



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  1. We saved a ton of money by upping our out of pocket on our homeowners to $10,000.00 per incident when we had our house. I am really only interested in being protected against a huge fire loss plus if the unforeseen happens I can manage the project myself. We also won’t drive new cars anymore or even four or five year old cars because we pay cash for the vehicle and little downside residual along without having to have full coverage on our vehicles. We also just dropped our health insurance because it is not affordable due to the new laws so we are taking our chances. Our private plan just got dumped because we moved to SC so they told us they wanted almost 10k a year versus the 3k we were paying in Ohio. No thanks! We are saving the monthly premium in a separate account for emergencies. Obviously, if something horrible happens in the next couple of years it will be a bummer but if we make it ten years with no huge events we will save a small fortune outside the obamacare penalty. Couponing only touches the surface for saving money.

  2. Thanks so much for sharing Jim (can’t believe I just saw this!) Upping your homeowners to $10,000 is HUGE – I’m not quite sure we’re ready for that high a deducible yet but that is a fantastic tip especially with an emergency fund in place. Health insurance is so high (it’s crazy!), it might be worth calling one of the ELPs in South Caroline to see if they have any other suggestions!

  3. Don’t buy the trampoline with the extra money, if the insurance people see one in your back yard, they will up your rates…seriously, I use to work with an insurance girl.

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