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8 Tips To Get The Cheapest  Homeowners Insurance

The price of homeowners insurance has gone through the roof during the last couple of years. It used to be you could buy insurance for $250 to $350 per year, but today the price of the exact same coverage could cost you anywhere from $550 to $1,200. If you’d like to get the best quote you can on home insurance, this short article shows you the best ways do this. 1. Compare Rates First thing you need to do to obtain cheap homeowners insurance is to shop around, and the fastest and easiest way of doing that is to visit an insurance comparison site. In the “good old days,” before the Internet, you would have to call or stop by local insurance agencies to get quotes to compare. Now, that's all changed. Thanks to computer and Internet technology you can receive quotes from different providers in the privacy of your home without having to call or visit an insurance agency. When you go to an insurance comparison site, you’ll fill out a very simple questionnaire with details about your home and your insurance needs. You will also need to include the amount of the deductible you want, and the discounts you're qualified for. After you submit the questionnaire to the comparison site, you will begin to get price quotes from a variety of top providers vying for your insurance business. Several people I know have been able to save $300 to $740 on their rates, and have even gotten better service, simply by changing their homeowners insurance from one company to another. I was able to save $645 a year on my own policy when I compared quotes with a comparison site. It was quick, it was simple, plus it didn't cost me a dime. 2. Raise Your Deductible If you want to get the best possible rate on your policy, you’ll need to enter all of the discounts that you are entitled to, and you'll need to enter the maximum deductible you can afford to pay. For instance, if your deductible is $250 and you increase it to $500 you could save up to 15% on your premiums. Raise it to $1,000 and save up to 25%. Raise it to $2,000 and save up to 35%. 3. Get A Multi-Policy Discount If you purchase your home and car insurance with the same company, you could save from 5% to 15% on your premiums, and you will have only one agent and one company to deal with. 4. Get Safety And Security Discounts You can get up to a 20% discount by having security features in your home like security alarms and deadbolt locks, and safety features such as smoke alarm systems, and fire extinguishers. You'll also help make your home a safer, more secure place to live in. 5. Get A Senior's Discount You may get up to a 10% discount if you’re a senior citizen 55 or older, and are retired from your place of work. 6. Get A Non-Smokers Discount You’ll get up to a 10% discount if you, or anybody who lives with you, doesn’t smoke. 7. Check For Other Discounts You may not be aware of all of the discounts you’re eligible for, such as discounts given to people in certain professions like fire fighters, law enforcement personnel, or military personnel, so prior to buying a homeowners policy be sure you question your agent about all the discounts their company offers and include those that you are eligible to receive in your policy. 8. Check Out The Company The best insurance companies have a financial rating of “A-” or better with the A.M. Best Company. To view a company’s financial rating visit: AMBest.com or StandardAndPoor.com. Click this link to compare cheap homeowners insurance from top-rated companies © Copyright RateQuotesNow.com About Us   |   Privacy Policy   |   Terms Of Use   |   Contact   |   Site Map
Rate Quotes Now
Auto    |    Health    |    Home    |    Life    |    Renters    |
Top Companies - Lowest Rates

8 Tips To Get The Cheapest 

Homeowners Insurance

With Top Companies

The price of homeowners insurance has gone through the roof during the last couple of years. It used to be you could buy insurance for $250 to $350 per year, but today the price of the exact same coverage could cost you anywhere from $550 to $1,200. If you’d like to get the best quote you can on home insurance, this short article shows you the best ways do this. 1. Compare Rates First thing you need to do to obtain cheap homeowners insurance is to shop around, and the fastest and easiest way of doing that is to visit an insurance comparison site. In the “good old days,” before the Internet, you would have to call or stop by local insurance agencies to get quotes to compare. Now, that's all changed. Thanks to computer and Internet technology you can receive quotes from different providers in the privacy of your home without having to call or visit an insurance agency. When you go to an insurance comparison site, you’ll fill out a very simple questionnaire with details about your home and your insurance needs. You will also need to include the amount of the deductible you want, and the discounts you're qualified for. After you submit the questionnaire to the comparison site, you will begin to get price quotes from a variety of top providers vying for your insurance business. Several people I know have been able to save $300 to $740 on their rates, and have even gotten better service, simply by changing their homeowners insurance from one company to another. I was able to save $645 a year on my own policy when I compared quotes with a comparison site. It was quick, it was simple, plus it didn't cost me a dime. 2. Raise Your Deductible If you want to get the best possible rate on your policy, you’ll need to enter all of the discounts that you are entitled to, and you'll need to enter the maximum deductible you can afford to pay. For instance, if your deductible is $250 and you increase it to $500 you could save up to 15% on your premiums. Raise it to $1,000 and save up to 24%. Raise it to $2,500 and save up to 30%. 3. Get A Multi-Policy Discount If you purchase your home and car insurance with the same company, you could save from 5% to 15% on your premiums, and you will have only one agent and one company to deal with. 4. Get Safety And Security Discounts You can get up to a 20% discount by having security features in your home like security alarms and deadbolt locks, and safety features such as smoke alarm systems, and fire extinguishers. You'll also help make your home a safer, more secure place to live in. 5. Get A Senior's Discount You may get up to a 10% discount if you’re a senior citizen 55 or older, and are retired from your place of work. 6. Get A Non-Smokers Discount You’ll get up to a 10% discount if you, or anybody who lives with you, doesn’t smoke. 7. Check For Other Discounts You may not be aware of all of the discounts you’re eligible for, such as discounts given to people in certain professions like fire fighters, law enforcement personnel, or military personnel, so prior to buying a homeowners policy be sure you question your agent about all the discounts their company offers and include those that you are eligible to receive in your policy. 8. Check Out The Company The best insurance companies have a financial rating of “A- ” or better with the A.M. Best Company. To view a company’s financial rating visit: AMBest.com or StandardAndPoor.com. Click this link to compare cheap homeowners insurance from top-rated companies © Copyright RateQuotesNow.com About Us   |   Privacy Policy   |   Terms Of Use   |   Contact   Site Map
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