Affordable Homeowners Insurance Quotes

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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?

Affordable Homeowners Insurance Quotes

) 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.

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