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It’s a good idea to get several home insurance quotes from multiple companies before settling on one. After all, isn’t that the best way to evaluate your insurance?
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) may increase the amount you have to pay for your premium or deductible. That helps explain why the insurance on your three-bedroom ranch is so different from your sister’s McMansion, but what if your home received four completely different quotes from four different companies?
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Insurance quotes and quotes are determined by certain aspects of your home (its location, size and age, how old the roof is, whether or not you have a pool, etc.) and make calculated estimates of how much your home insurance coverage will cost the insurance company in the event of potential damage. They can vary by state, your age, crime rate, and more.
It makes logical sense, really. Before the insurance company can decide how much a home policy will cost
To replace and/or repair your unique home. Since each company has a unique way of determining risk factors and calculating this number, it creates opportunities for different quotes.
One carrier may have found that homeowners in your ZIP code filed more claims—and therefore cost them more money—than homeowners in neighboring ZIP codes. One carrier may consider the area of your home more indicative of your level of risk, while another may place more emphasis on your marital status.
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Another factor that comes into play is the amount of coverage that some insurance companies may require you to have. Depending on the location and history of your home, one insurance carrier may require a higher level of flood insurance or natural disaster home coverage. Another carrier may leave this level of coverage up to you, which may result in lower premiums.
If your family needs space for a home office and at least four bedrooms, or your commute to work and school makes a certain zip code attractive, you don’t have to resign yourself to living with high premiums. You can (and should!) get a set of home insurance quotes and choose the one that suits your needs, both in terms of premium price and coverage.
Just like auto insurance, life insurance, or any insurance policy, your homeowner’s policy is specific to you and your needs. When reviewing your coverage options, think about your personal items that you would like to replace in the event of a fire or theft, as well as the cash value of expensive family items that may not be able to be replaced.
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If you live in an area like Florida that is prone to severe storms, make sure your insurance quote has enough property damage coverage to protect you. It’s better to worry about potential damages when you’re dealing with insurance quotes than when disaster strikes.
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And when deciding between home insurance quotes, don’t forget liability insurance. If you have stairs, pets or children who can make a mess from time to time – even in someone else’s house – be sure to consider this before deciding on a policy.
So when all those home insurance quotes come in, you can pick the cheapest one your mortgage lenders and budget will allow and you’ll be on your merry way, right?
While there’s nothing wrong with affordable home insurance (you definitely want insurance you can afford!), there are
Think about the last thing you called “cheap.” There’s a good chance it wasn’t meant as a compliment! In fact, you probably threw in a few four-letter words to convey exactly how bad the item was.
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When it comes to insurance, “cheap policies” usually come with higher deductibles, less coverage, more restrictions, and poor customer service. Choosing the cheapest policy likely means less liability coverage, less personal property coverage, and less chance that your policy will cover loss of personal belongings. You don’t want to protect your home with cheap coverage.
Instead of just looking at your upfront costs, the first consideration when shopping for homeowners insurance should always be the amount of coverage you’re getting. At the end of the day, home insurance should give you peace of mind in the event of an accident and prevent you from worrying after a disaster.
Insurance policies are essentially contracts. And you better believe that when the insurance company writes the contract, they do a lot of strategic math to make sure they don’t end up with less money than they started with.
What does that mean to you This means that in the unfortunate event that you do have to file a claim, you end up paying your share – either through a higher premium or a higher deductible.
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When those homeowners insurance quotes first come around, you might be tempted to go for the cheapest one (after all, that super low premium from A will save you a pretty penny now!) But it’s important to compare coverage limits. Company B may offer slightly higher premiums with significantly lower deductibles, higher coverage amounts, fewer exclusions, and better customer satisfaction. Lower premiums now don’t always mean more money in the long run.
Don’t underestimate good customer service either. Think about when it’s time to file a claim. Which company will you be happiest working with in your time of need?
Having multiple options is the best way to get the best deal on home insurance, but how many options should you have? How do you know how much coverage you really need? And how can you choose between them?
Take a deep breath. There is an easy way to gather a nice selection of home insurance quotes from reliable companies
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Captive insurance agents work for one insurance carrier and can only offer policies offered by that carrier. For example, if you call a state estate agent, they can only offer you a state estate policy. Independent agents, on the other hand, work for themselves and can offer insurance coverage from a number of different companies.
Because they work with a larger portion of the insurance market, you not only have more choice, but also the benefit of having an insurance expert on your side. An independent representative can advise you on the types of coverage you may need, inform you of areas where you are at greater risk, and notify you of policy changes or other matters that may affect you.
If you live in Florida and are looking for homeowners coverage, renters insurance, personal liability coverage or any other type of insurance, the friendly agents at Harry Levine Insurance can help you find a policy that fits your risk profile and your budget.
Educate our customers. If you ever have a question about your policy or claim, give us a call. We are always happy to help. You can waste a lot of your own time, energy and effort trying to gather home insurance quotes and find the best rates, or you can let Insurance Geek find you the best home insurance deal instantly.
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We’re good at finding the cheapest home insurance deals without sacrificing coverage. We’ve taken the complex process and made it simple for consumers to compare home insurance quotes side-by-side.
Start shopping and comparing home insurance rates online using our easy-to-use quote form. It takes about 60 seconds to complete.
We are the best online home insurance quote comparator. We offer the easiest quote and instant rates.
Quickly share your current policy statement pages with Insurance Geek. Your assigned representative will review your policy to find gaps and missing coverage and connect our companies with your current carrier. Takes 60 seconds to complete.
Why Are Home Insurance Quotes So Different?
Home insurance is a type of property insurance that provides financial protection for both the insured’s residence and household assets.
The policy may also provide liability coverage that pays for some or all of the costs of home and/or property accidents. So your family is protected too – not just your home.
But your homeowners policy will provide more than just financial security – it will provide something priceless, and that is peace of mind.
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Your needs will determine which homeowner package you choose. The product you receive protects you from covered PERILS.
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If the perils covered by your policy occur, you can file a claim and your insurer will cover the loss.
Home insurance may not include all the coverage you need. That’s when other principles come into play.
For example, you can get additional personal property coverage to cover items of high value. Or – you can add additional coverage for the portion of your home that exceeds the cost of replacing your home.
If you decide to combine packages—for example, get homeowner and life insurance with the same company—you’ll save.
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