A median of $148,900, the lowest on this site, in a town with a substantial retired population. When the budget is fixed, the order you buy cover in matters more than the total.
Not every part of a policy is equally worth the money. An honest agent will tell you which parts those are.
Three priorities, in order.
A liability claim is not limited by the value of your house. Someone injured on your property can produce a claim many times what the home is worth, and liability is the least expensive part of the policy. Raising it from a default costs very little and it is the last thing to trim.
Insuring for the $148,900 a house would sell for does not rebuild it, because construction costs what it costs regardless of the local market. That gap is the most common serious underinsurance in low-value markets, and closing it is not optional.
Raising the deductible lowers the premium meaningfully and is the honest lever when money is tight, provided the figure is one you could genuinely find. That is a decision rather than a cut, and it is the one we would make first.
Spending the premium where it works.
Cheap, unbounded exposure, raise it.
Rebuild cost, not sale price.
The honest way to reduce the premium.
Tell us what you are paying now and what deductible you could handle.
