5 ON YOUR SIDE: Save on home insurance [Video]

Blame natural disasters, inflation and where you live. Chances are you’re probably paying more for home insurance these days — in some cases, a lot more. The good news is that the money-saving experts at Consumer Reports found ways to trim rising premiums for significant savings.

Start by shopping around. Consider a local independent agent or broker who sells policies from several insurance companies. They might also recommend policy add-ons to help your coverage keep up with inflation, which is important when you file a claim.

While you’re at it, bundle coverage. Purchasing your homeowners and auto coverage from the same company can provide savings of up to 30% overall.

Keep your deductible high. Higher deductibles mean lower premiums. Going to a $1,000 deductible from $500 might shave your premium by 25%.

Do some home upgrades.First, look up. The age of your roof matters. Some insurers add a surcharge of up to 15% …