Bottom Line: Home insurance considerations for you [Video]

MEMPHIS, Tenn. (WMC) – 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 percent overall.

Keep your deductible high. Higher deductibles mean lower premiums.

Going to a $1,000 deductible from $500 might shave your premium by 25 percent.

Do some home upgrades.

First, look up the age of your roof matters.

Some insurers add a surcharge of up to 15 percent for older roofs. You’re better off getting ahead of the storm and …