how can i get a better home insurance price?
our insurance prices shot up after we had two water leaks. there wasn't a ton of damage, but our insurance shot up from $700 to $2300 a year. is there anything we can do to repair our claims history or get better rates?
"yikes! that is a big difference!

while there's nothing you can do to repair your claims history, you can shop around for better rates by comparing rates for [home insurance online](https://getjerry.com/car-insurance/car-and-home-insurance). 

you may be able to get better rates by bundling your home and [auto insurance](https://getjerry.com/car-insurance). 

if you want help comparing rates, leave the hard work to [jerry](https://getjerry.com/signup). jerry pulls quotes from the top 50 providers and delivers the best deals to your phone in minutes. 

the average homeowner pays about **$1,200 a year**, so you're right in thinking that you're paying a lot. in the future, you can safeguard your house against leaks or choose to pay for them out-of-pocket rather than adding to your claims history." 

**more**: [11 car insurance hacks to save you money](https://getjerry.com/car-insurance/car-insurance-hacks)
I read somewhere that the number was 640.   

You are very close.   

Do you have any credit card balances?   

Pay them in full. Wait 45 days, then get your score again.   

Carrying high balances can reduce a score by 100 points.   

And it also hurts getting a mortgage, since it will directly reduce the amount of home you will qualify for.   

  

Tell us what is in your reports and people can tell you how it can be repaired.   

Sounds like you only have one of your three reports though.   

Get the other 2 at Annual Credit Report.com   

No cost. No card required. Reports are free once a year.   

Something is bringing your credit down. People here will try their best to help you hi dear. you can easily save a lot of money by making a few changes in your lifestyle. when you go grocery shopping, try to buy products that are of local brands, fruits and vegetables that are seasonal, bulk packets, etc. always make a list when you go shopping as it helps in avoiding unnecessary expenses. you can easily make a lot of crafts at home to decorate your house or for gifting such as lamps, photo frames, cushions, etc. make a monthly budget where you keep aside some amount to save. try to stick to the budget to save more. report the incident to the police & to your home insurers before you do any cleanup. take pictures (with obvious landmarks like trees, other buildings, etc. so the vandalism can be identified back to your property) of the mess so you have some evidence. give the best description you can and you'll be asked if there's anyone you might suspect. could be that the nails used to anchor the ceiling product or the nails in the crossbeams are rusting. the humidity is causing the rust to leach into the ceiling product. since you say they are in a line, this makes sense.

the only thing you can do is to prime over them and repaint. it depends how much you would have to pay out on your current lease. you might get a couple hundred if you part it out...ram / dvd drive / cpu / heatsink assembly / hdd / motherboard....failing that, maybe $100 for spares/repair on ebay....

the windows license wold be worth a few bucks too....(although technically, you can't resell these)

the laptop market has really dropped lately, and new laptops are dirt cheap, cmopared to what they were...unfortunately that has a knock on effect for us when we try to resell...

best idea is to part it out, or check out ebays wanted posts, see if anyone is looking for one for spares/repair.

if you feel really apprehensive aboutt aking the loss, you could always claim it off your insurance, as it was accidentally damaged, after all.... i can only give you estimates based on what we spend with a family of 4. i am a stay at home mom, my husband commutes about 20 minutes to work and i have a teenage driver (16 year old girl) and a teenage boy with a huge appetite. i am now spending about $200 a week on groceries with two teenagers. gas is costing us about $100 a week. car insurance is about $400 per year. our housing runs about $1,800 per month with insurance. we live in a nice neighborhood but our house is only about 2200 sq. ft. you can definitely get larger homes for less money in a less expensive neighborhood, but i would defintely stay on the east side -- sandy and draper are nice. if you go on the west side, be sure it's southwest -- south jordan, riverton, bluffdale. 

since i'm digressing, i'll just continue on this bent. your better schools are on the east side -- anywhere on the east side. if you want to go north of salt lake, consider bountiful, and fruit heights (good schools, but slightly more expensive) stay away from ogden, woods cross and layton. traffic into and out of davis county is horrendous.

if you go one county south (utah county) you have an excellent school district with alpine. avoid lehi. alpine and highland are lovely little suburbs with great schools and a great atmosphere nestled right up against the mountains. home prices and taxes are higher than other places (like american fork, pleasant grove and orem) but they are very sweet places to live. if you're not mormon i probably would'nt consider them -- they're about 98% mormon. mormons are very nice people typically (i know -- i am one) but you're kids might feel a bit left out not being one of the majority.

ok, back to the topic at hand. if you would like to email me, i would be happy to tell you what we make and how we live, but i'd rather not broadcast that all over the internet. email me at daves\_comet@yahoo.com. i would be happy to answer any questions you may have about moving to salt lake. let's just say that i moved here 20 years ago and i have never found a place i like better. i have lived in many cities in different parts of the world, but this is where i hang my heart.

good luck. hi @sam\_cat - there was another topic on this query. i can't find it, so i've tweaked yours to make it more searchable moving forwards. 

this is to do with the direct debit figure. we look at your prices for the two year plan, and the annual consumption of the property, getting an annual spend and a monthly cost (if you divide that figure by 12). the tariff that you're on now just displays your current direct debit, which will of course take into account your current credit balance. 

tim You should look at the paperwork and see if there is any provision that would prevent a claim or lawsuit, but I would think you can sue Aaron’s. 


What you can sue them for would depend on what your damages are. If you’ve had medical appointments due to bed bugs, that would be part of your damages along with any personal injuries sustained and also the cost to clean your apartment or the furniture. Max 

Hello Max,


There is a little typo on the solution. In a warmer winter you will have gas consumption reduced by 10%, that implies a reduction of 10% of sales and variable costs (the hypothesis is to consider them linearly dependant).


Talink about the Infrastructure costs, they are composed by fixed (60%) and variable(40%) costs. Applying the saving on the variable part you have:


240*40%*10%=9.6  

  

So that the new Infrastructure costs will be 240-9.6=230.4  

  

Does it make sense?  

Feel free to contact me if you have any doubt.  

  

Luca