Good morning forum! My home and contents insurance renewal notice just arrived in the mail, and the premium has jumped by almost 20% compared to last year, even though I haven't made any claims. It's getting pretty ridiculous. I was browsing through some financial tips and policy guides on https://kobainsuranceau.com/ to see how other people handle rising rates. Do increasing your excess amounts actually save you a meaningful chunk, or are there better ways to negotiate a lower rate with your provider?