Affordable Homeowners Insurance Quotes for New Home Buyers
Homeowners insurance can be a big expense, so it pays to find ways to save money on your premiums. Comparing prices is very important to find the best deal and this means getting quotes from the best companies in your area. Cheap homeowners insurance quotes can be a reality, especially if you follow the tips below.
Cheap Homeowners Insurance Quotes: Know the Coverage You Need
The first key to getting an affordable homeowners insurance quote is knowing how much coverage you need so you don’t pay for unnecessary coverage. An insurance agent will often offer you a standard policy that includes more coverage than you need. Property coverage limits may include land value, which is not required to be insured. Also, there may be more coverage for “other structures” on the property that goes beyond what you need. The same is often the case with the contents of your home. To ensure you get only what you need, take an accurate inventory of your personal items and know how much “other structures” on your property are worth so you pay only for the coverage you need.
Cheap Homeowners Insurance Quotes: Insure Your Home
A safe home is a less risky home to insure. If there’s one thing insurance companies love, it’s a secure home. They will reward you with lower rates if you take precautions. Deadbolt locks are a must no matter how safe your neighborhood is. Multiple fire alarms will help you save money on premiums. If you have the funds to install some type of security system or security cameras, you can save money. Also, a neighborhood watch will sometimes give you a discount. Finally, while it may not always be a situation you can control, if you’re looking for a home, the safer the neighborhood, the better.
Cheap Homeowners Insurance Quotes: Find Discounts
As a first-time homeowner, you may not be aware that some auto insurance companies also offer insurance for your home. Insurance companies reward loyalty, so if you can find a company you’re comfortable with, switch your car insurance and have both policies under one blanket policy. There are other discounts and ways to save available, like having a strong credit score, renewing your policy with the same company, and adding stability to your home, like storm shutters. Plus, it can’t be overstated – increase your home security!
Cheap Homeowners Insurance Quotes: Get More Than One Quote
The more quotes you get, the better. Since online rate quotes are free and take only 15 minutes to obtain, there’s no good reason for you to pass up the opportunity to collect multiple quotes. The savings can be in the hundreds of dollars per year while the effort is minimal. When getting quotes, be sure to compare similar policies and provide accurate information. Quotes are not binding, so if you do not provide accurate information, the quotes will not be accurate and your comparisons will not be accurate. You want cheap homeowners insurance quotes, but you want them to be accurate and functional.