Home insurance costs have climbed to another record high — but staying with the same insurer may not be your cheapest option. New data shows homeowners who switched insurers saw their annual insurance costs fall 6.6% on average, while those who stayed saw costs rise 10.4%*.

You don’t have to wait until renewal to shop around. Money’s comparison tool lets you enter your ZIP code, answer a few basic questions and compare available rates in minutes. See if switching could lower what you pay to protect your home.