Homeowner’s insurance is definitely something that every household needs to take seriously!
How many times have you read about some poor family who let their insurance lapse — only to have their home burn to the ground? Experiencing a home tragedy of any sort can be a guaranteed trip to financial ruin… if you don’t have a good homeowners insurance policy in place.
With construction costs continually rising and prices for home furnishings climbing just as fast, do you have enough replacement coverage on your home to replace what might be lost in a fire, flood, or home break-in?
How about personal injury? With medical costs skyrocketing, an old policy with a low coverage ceiling could leave you holding the bag when the neighbor kid gets injured on your property.
And don’t forget, flood Insurance is not a normal part of your typical homeowners policy. This video shows how scary rising waters can be after days of heavy rain:
Thankfully, the process of getting an up-to-date home insurance online quote these days is easy… and quick.
Yep, the Internet can lead you to the best deal around without ever leaving your house!
Here are tips for finding home insurance quotes online…
There are a number of home insurance companies that will do the price comparisons for you.
After filling out a number of pages of information about the specifics of your home and what type of coverage you are seeking, they will compare a variety of homeowners insurance companies that can supply you with the coverage you seek.
Often they will list the top half dozen companies and let you chose which best meets your needs.
Compare Home Insurance Rates Via Online Insurance Hubs
Here are some companies that will help you find homeowners insurance online:
The one benefit of this type of service is the fact that they are supposedly directing you to the “best” deal, rather than trying to sell you their own policy.
Home Insurance Comparisons From Insurance Companies
Another option is to get your homeowners insurance quotes from an actual insurance company that claims they will compare your request to other top-rated companies.
They do so, fully expecting that their home insurance rates will come in as the best deal.
- Progressive Insurance is one well-advertised company that falls into this category.
- GEICO is another.
Both are well-known for their auto insurance rate comparisons, but they provide home insurance quotes online as well.
Call me old fashioned, but there is a bit of skepticism on my part as to this type of comparison shopping. I can’t help but wonder if they truly do provide completely accurate comparisons on your behalf.
Get Your Own Home Insurance Quotes Online
Personally, when I shop for home insurance, I want to make sure all of the companies are comparing apples to apples. I also like to have my own list of requirements.
By sending the exact same information to each company individually, you can eliminate the middleman who claims to be influenced only by the best deal.
Fortunately, all national brands of homeowners insurance provide online quotes, free of charge. This way, you can make an honest appraisal for yourself.
Here are some of the companies that provide homeowners insurance quotes:
- State Farm Insurance
- American Family Insurance
- Liberty Mutual Insurance
- Allstate Insurance
- Farmers Insurance
- Nationwide Insurance
It’s real easy to become entrenched in the same company you’ve done business with for years. I like the idea of one-stop-shopping offered by many companies that sell multiple types of insurance. Having home, car, and life insurance with the same company often entitles you to discounts for multiple policies. Longevity is another way to obtain discounts on your insurance.
My own experience had me staying with the same company for well over 20 years, because the various discounts earned over time with no claims had me at a low premium that others couldn’t match. However, when I moved across the country, I assumed they would still be the best deal, but they weren’t. I quickly found that because that region experienced a higher then usual rate of loss, I was forced to change insurance companies in order to find a home insurance rate that was more reasonable.
Keep Your Home Insurance Policy Up-To-Date
Whether you’re moving to a new home, upgrading your current home, or have been in your home for a number of years but haven’t updated your home insurance policy in awhile, you should take the time to review your homeowners insurance policy.
Home values are changing every day, and you may not have adequate coverage any longer. It’s better to be safe than sorry, in the event that something happens.
This video highlights some other things to consider when shopping for homeowners insurance:
More About Home Insurance Quotes
- Top Things To Know About Home Insurance
- Review Of Progressive Insurance vs Allstate
- Tips For Getting Low-Cost Home Insurance