Homeowners Insurance Comparisons – Where to Get the Best Rate
Looking for homeowners insurance comparisons? Want to know where to compare quotes and get a cheap rate quickly and easily? Read on …
What is homeowners insurance?
Homeowners insurance covers more than just your home. It also covers your personal possessions and protects you from personal liability lawsuits. Here’s what it covers:
* Your home – Homeowners coverage pays to repair or rebuild your home after it’s been damaged or destroyed by storms, fire, plumbing leaks, and vandalism. Damage from flooding or earthquakes is not covered under standard policies, so if you live in an area where you need these coverages you must purchase them separately.
* Your personal property – Homeowners insurance will replace your personal property, such as clothes, furniture, appliances, and electronics, when they’re stolen or when they’re damaged by fire, vandalism, storms, and plumbing leaks. Expensive items like jewelry or computers may not be covered under standard policies, but you can increase your coverage on these items if you need to.
* Your assets – If someone hurts himself on your property and sues you, your homeowners policy will pay damages awarded to him by the court, plus your legal fees and court costs.
* Your additional living expenses – If your home is damaged or destroyed and needs to be repaired or rebuilt, you’ll be compensated for your additional living expenses (hotel bills, restaurant bills, etc.) if you need to live elsewhere.
How can I save money on my homeowners policy?
The best way to save money on your homeowners policy is to find a reliable company with cheap rates. You can do this quickly and easily by going to an insurance comparison website where you can get rate quotes from different A-rated companies. (See link below).
After you’ve found a company with cheap rate, you can lower your premium even further by raising your deductible. For example, by raising your deductible from $500 to $1,000 you’ll save up to 25% on your insurance premium. Raising it to $2,500 will save you up to 35%.
Where can I compare rates from different companies?
Visit http://www.LowerRateQuotes.com/homeowners-insurance.html or click on the following link to get homeowners insurance rate comparisons from top-rated companies and see how much you can save. You can get more tips and advice in their Articles section, and get answers to your questions from an insurance expert by using their online chat service.
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About Author
The author, Brian Stevens, is a former insurance agent and financial consultant who has written a number of articles on homeowners insurance comparisons.
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Posted by American Car Insurance on September 12th, 2009 filed in homeowners insurance | 18 Comments »
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18 Responses to “Homeowners Insurance Comparisons – Where to Get the Best Rate”
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September 12th, 2009 at 8:16 pm
love her
September 12th, 2009 at 8:31 pm
ive never seen this one! omg!!
im sorry, but i love flo. shes the coolest chick on tv.
September 12th, 2009 at 7:56 pm
They don't ask, but there is a good chance they will find out anyway. My aunt has a trampoline in her back yard, which is prohibited, but she figured no one would ever know. It went unnoticed until some teenager tried to dial a number on his cell and hit the front of her house. Her insurance company (along with his) came out to inspect the damage and saw the trampoline.
They also find out when the dog attacks someone in the neighborhood or gets loose and chases the mailman and a complaint is filed.
There are plenty of incidents that could take place that would cause the insurance company to come out.
September 12th, 2009 at 8:39 pm
It really depends on how it breaks, what type of policy you have and the insurance company?
Some company's can even add riders to your policy to cover it.
Call you insurance company or ask your agent!
September 13th, 2009 at 3:44 pm
She is hot!!!!
September 13th, 2009 at 12:18 pm
You need to call an insurance company for quotes, start with your auto insurance company & go from there. There are many questions, what does the master policy cover? You would need to read the condo bylaws to find out. Does that policy cover everything attached to the unit or only to the studs? Does it cover anything that you add to or alter in the unit? So, you would purchase a condo policy (HO6 form), you would need to find out from the condo association what you actually need to cover. That would be the dwelling limit you need. Then you need to tell the insurance company how much contents coverage you want (if you had to replace everything you own), then get at least $500,000 liability, $5,000 medical payments & get $50,000 (or the company maximum) loss assessment (this covers if you are assessed for damages to common property – simplified definition – you would need to speak to an agent to explain it to you). You would also need to tell the agent the deductible you want (property coverage).
Good luck in your purchase but no one here can give you a quote.
Homeowners insurance is always an annual policy.
September 14th, 2009 at 12:43 am
Yes very much so. Certain breed's of dogs will void a home owners insurance policy. This is based usually on vicious breeds who tend to generage alot of liability claims. It states this clearly in your policy. If your friends looks at her HO3 policy she will see which specific breeds will cancel her policy. Also many HO3 policies place exclusions against trampolines & swimming pools.
If she chooses to keep the dog – she will have to go through an excess/surplus company to get her homeowners insurance. She will pay about 3x the amount she was paying prior. Its up to her if the dog is worth keeping.
September 14th, 2009 at 9:52 am
God, she is soooo hot.
September 14th, 2009 at 6:56 am
The more available you are to potential customers, the more likely you will get to quote them. I know that when I am attempting to buy something, I partly base my decision on how easy it is to get ahold of someone.
September 14th, 2009 at 7:39 am
If I were you, I'd look into two things in particular:
First is a mortgage disability policy. You would probably want to take out this policy on both you and your husband. This will help to cover mortgage payments if you or your husband are injured and unable to bring in income.
I'd also look into life insurance policies on each of you. If your husband were to pass away, would you be able to continue making mortgage payments on your own? Would you choose to move? If not, life insurance is a must.
September 14th, 2009 at 7:44 am
Go the the taxing authorities homepage for your county (Google it). You can look up the average taxes on the homes for the neighborhoods you are considering.
September 14th, 2009 at 5:13 pm
shes cute
September 14th, 2009 at 11:07 pm
lmao im so gonna say that at work “…or two still pretty big bags?”
September 15th, 2009 at 1:32 pm
i freaken love Flo she is teh best
September 15th, 2009 at 2:30 pm
I’m just waiting for her to break out into something else…and still do these commercials of course.
September 15th, 2009 at 4:18 pm
SHES DA BEST I NEED A WOMEN LIKE THAT
September 15th, 2009 at 12:05 pm
Thank you for running into each other instead of an innocent person who is following the rules.
You stand as much chance as your homeowner paying the bills for your accident as there is that your auto insurance would cover your house burning down.
If that's not plain enough, NO.
Which ever of you was at fault in the accident owes the other for all damages.
September 15th, 2009 at 2:49 pm
I have to say, I support the insurance company on this one. They have to manage risk, and part of that risk the dogs people own. Unfortunately, there are quite a few really bad pit owners out there. Don't blame the insurance company, blame the irresponsible owners.
Besides, to make a comparison- a regular doc's malpractice insurance is about a fraction of what it is for a ob- have you ever wondered why there seem to be a larger number of docs getting OUT of the baby business? Used to, all gyns did OB, now, that number keeps dropping. Mostly because they can't afford to pay the insurance AND deliver babies. Are the insurance companies discrminiating against OB's?