All About Comparing Home Insurance Quotes

You probably are not looking forward to shopping for home insurance quotes. You might be dreading the expected hassle, the cost, or the lack of options. If you were using any other sites, these concerns would all be valid. How are you supposed to compare house insurance when the typical comparison site offers only one quote from one carrier? On this site, comparing prices is a stress-free process that requires only minutes of your time. Without visiting a single other site, you can compare multiple quotes at once. Read on to learn what the secret to finding affordable premiums is and how our site fits in to that strategy.

Finding an Affordable Homeowners Insurance Quote

The key to finding an affordable policy quote is simple: competition. As with any other product or industry, competition drives down prices and increases product quality. This same principle applies to cheap homeowners quotes. Normally, shoppers request only one or twoprice estimates before selecting a policy. Unfortunately, the likelihood of finding affordable rates after reviewing only one or two policies is slim.

If you really want the best rates, you have to compare offers. The more policies and rates you review, the better your chances of finding affordable, high-quality home insurance. But, you might ask, who has the time to scour the Web for hours? Luckily, we have simplified a formerly inefficient process by providing multiple policies in one place. One stop, and you have everything you need to choose a homeowners policy.

One reservation shoppers frequently have about requesting homeowners insurance quotes is the amount of information necessary to receive an estimate. We do things differently. One of the first things we want our visitors to know is that we are not an insurer. Unlike competing sites, our comparison system is free and not sponsored by a particular company. We are not affiliated with any particular companies, so using this site for a homeowner insurance comparison will yield the most accurate and unbiased results. You don't have to worry about dealing with high-pressure agents or shouldering the burden of commission. By serving as an intermediary between you and prospective house insurers, we make your comparison shopping routine more efficient and cost-effective.

As you will see at the top of the page, to begin searching for the lowest home insurance quote in your area simply complete one simple, secure form. Our affiliates will provide you with accurate, affordable offers in your area with the least amount of information possible. Start to finish, you should have an estimate from four to five providers in about five minutes. If you're willing to invest that little amount of time, you will be on your way to a cheap homeowners quote.

Quotes and Coverage for Every Type of Homeowner

A basic home owner policy typically includes six kinds of coverage: dwelling, other structures on the property, contents/personal belongings, loss of use, liability protection, and medical payments. Each type of coverage is essential to protecting your possessions and the structure of your home as well as safeguarding yourself against liability from personal injury lawsuits. Read on for a detailed explanation of each of these policy protections.

Dwelling Coverage and Additional Structures

Every homeowner policy will include dwelling coverage, which protects the actual structure of your home in the event of damage or loss resulting from a variety of perils. Usually, a standard plan will protect against disasters like fire, vandalism, hail, lightning, and windstorms. With most insurers, you will need to take out a separate policy or add a rider to your existing policy to protect against floods and earthquakes. Should anything happen to your house's structure, this portion of your homeowners policy would pay to replace or repair your home. Home insurance policies will normally also cover detached structures on your property in addition to your actual home. Common structures include sheds, guesthouses, and garages. The average coverage for these structures is ten percent of the policy's dwelling coverage, but you can purchase additional protection if necessary.

Personal Possessions

The items you keep in your home need coverage just as much as the dwelling itself does. Every policy will include a certain amount of coverage for personal belongings, or the items you store within your home. Homeowners often underestimate the value of their furniture, clothing, electronics, appliances, and other such items, which is why it is important to take a home inventory before purchasing policies. The amount of personal property protection included in your policy is up to you, so you can select the amount of coverage that matches the value of your belongings.

Loss of Use

In the event a covered loss leaves your home uninhabitable, the loss-of-use portion of your agreement will pay for your living expenses while your home is repaired or rebuilt. This includes expenses like lodging and food for a limited period of time. You might use this coverage to pay hotel bills, rent, restaurant checks, and so on.

Personal Liability Protection

If someone suffers an injury on your property, the personal liability protection included in your plan will settle any lawsuits against you or your family members. Personal liability typically also covers the damage family pets may do to other people, such as dog bites. The policyholder can choose the appropriate liability limits for his/her circumstances.

Medical Payments

Related to personal liability, medical payments will cover the medical bills of someone who suffers an injury on your property and does not sue. Your homeowner policy will cover the injured party's doctor or hospital bills. This coverage is also referred to as "MedPay." Some carriers offer home insurance policies with varying amounts of MedPay protection, in which case you can use your discretion to set your limits.

Condominium and Other Types of Coverage

Owners of condominiums should consider comparing quotes to save money as well. Condominium insurance is essential to protecting what is likely your biggest investment. Although insuring a condominium is as important as insuring a traditional home, condo insurance differs in many ways. Most condo association policies protect the grounds, common areas and the structure of your unit. The personal property within your condo may be unprotected from fire, theft, vandalism and other threats.

Not everyone can qualify for a traditional plan. The location of your home and the existence of certain risks, such as an old electrical or plumbing system, may preclude you from obtaining standard coverage. When you cannot purchase coverage through conventional means, you may have to turn to a high risk policy. These policies cost more than basic plans but offer the same protection.

When it Comes Time to Buy

Buying a policy online is quick and comes without the distraction of a pushy salesperson. This also means that there will be no pushing to buy the plan that gives the salesperson the most commission. When it comes time to buy coverage online, each consumer will enjoy being able to think clearly by simply reading all of the points to each plan. Without any salespeople arguing that their plan is the best and downplaying competitors that may have a better plan, making the right choice is much easier for every person.