#HomeInsurance #costs Let’s face it, home insurance costs seem to go up every year even as housing prices come down.  But going without insurance is too risky.  So, we grit our teeth and pay the bill each year.  Of course, we could competitively shop the policy every year but that is onerous.   It takes a lot of study to understand the difference between policies.  Often it’s easier to stay with the policy that has the appropriate coverage.  And longer-term policyholders can