The average homeowner in the U.S. pays $1,754 per year for their home insurance policy, reports Policygenius, though premiums can vary by thousands of dollars depending on the state, the price of the home and the homeowner's claim history. To demonstrate the effect claims have on insurance rates, a person with a $300,000 dwelling insurance policy and no previous claims will pay an average premium of $1,925 annually, and the cost increases slightly to $2,093 per year for someone with one previous claim. A homeowner's premium will continue to increase with each subsequent claim, as those with three claims pay around $2,902 per year and those with five claims see an average annual rate of $4,339. Even without claim-related rate increases, many homeowners are already seeing their premiums climb and are seeking ways to manage those costs. Policygenius reports home insurance premiums increased 35% nationally from May 2021 to May 2023, and Insurify predicts some states could see their home insurance premiums increase as much as 23% more in 2024. While homeowners can't do much to affect blanket rate increases, they can take steps to prevent their own policy premiums from climbing even higher due to preventable claims. In the slideshow above, we'll look at five of the most common springtime home insurance claims, and advice for how to quell these risks from Spartan Property Management.

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