Which of the following will not help Robert lower his homeowners insurance premium?

Increasing the total coverage means the insurer would pay more if the home were damaged, so it generally increases the premium rather than lowering it. A higher deductible, removing replacement-cost coverage, or reducing policy riders can each reduce the insurer’s potential payout and may lower the premium. Therefore, increasing the total coverage will not help Robert lower his premium.

AI-written and checked against the verified answer.