Your house is not only a place to live. It’s also one of the biggest purchases you’ll make, so you will want to secure that investment with the very best insurance policy you are able to afford. This can include a basic homeowners policy, added liability protection, as well as coverage for a flood or earthquake.

You want the maximum protection, but you do not want to spend more than you are able to afford, so in order to make sure you obtain the maximum protection for the least amount of money, just follow these easy steps . . .

The Best Place To Compare Homeowners Insurance Quotes

Should you renew your insurance plan with the same company, or if you don’t compare prices from various companies when you purchase new insurance, you could be paying more than you need to. You may be able to get a cheaper quote with another company.

It doesn’t hurt to at least examine the quotes of different companies to see if you are receiving the best price. And it is really easy if you go to an insurance comparison online site.

Just spend a few minutes at your personal computer filling out a simple online questionnaire with information regarding your house along with the coverage you require. Once you finish the questionnaire and submit it you are going to get quotes coming from a number of top-rated companies bidding for your business.

Money Saving Tips

Set The Deductible Higher

Beside shopping around, raising your deductible is the most effective way to reduce your premiums. To illustrate, upping your deductible from the normal $500 to $1,000 can save you as much as 25% on your premium, and increasing it to $2,500 will save you up to 35% on your premiums.

The caveat here is you have to make sure you can afford to pay for the higher deductible should you ever need to file a claim.

Look For Discounts

Does your home have a burglar alarm? What about smoke alarms or deadbolts? Then you might qualify for safety discounts from your insurance company.

Additional discounts include multi-policy discounts when you have your home and car insurance policy with the same insurer, non-smoking discounts when no one in your house smokes, and senior discounts if you’re 55 or older and retired.

Your agent might not let you know about all of the discounts you are qualified to receive, therefore make sure to question him or her about all of the discounts that are available to you.

How I Saved $640 On My Insurance Coverage

Some time ago I got notified by my insurance carrier that my premiums would be increased. Needless to say I was not pleased about having to pay $200 more for my coverage, and so I went online to the insurance comparison site below to see if I could obtain a better rate. I imagined I could possibly save $100 or so.

I was stunned to discover I could obtain a policy with a top rated company that was $640 less than the one I had, so I signed up with that provider then and there.

The bottom line here is that you’ll never realize how much you can save until pay a visit to a comparison site and check rates. It’s quick, it’s simple, and you might be surprised like I was at just how much you’ll save.

Click the website link that follows to view an article which demonstrates how to compare homeowners insurance prices to get the least expensive quote. Click on the link that follows to compare home insurance quotes and get the most affordable quote.