Are you looking for ways to lower your homeowners insurance costs? Depending on where you live, big savings may come your way when you make the simple switch from government to private.

In high-risk areas, such as those that are particularly vulnerable to flooding, fire, coastal storms and crime, government plans are often more costly than private insurance plans. Contact your state’s department of insurance for the contact information of insurers in your area. By spending a couple of hours shopping around, reaching out to local private insurance agents and discussing possible coverage options, you may be able to find a private plan at a lower price than what you were paying for government insurance.

It’s not very often that it pays to go private. However, when it comes to homeowners insurance, this may be one of those times when a private policy can save you big.