Compare Home Insurance Policies for the Best Rates and Coverages

The economic shakeups of the past few years have changed the way that many financial companies do business, and insurance companies are no exception. That means the insurance policy that was such a great deal a few years ago may no longer be competitively priced. The only way to make sure you're still getting good coverages and good rates is to shop around and compare home insurance policies from several different insurance companies.

Looking at Coverages to Compare Home Insurance
There are four different types of coverages that you'll find when you compare home insurance policies:

  1. Coverage on the structure of the house itself and on any detached outbuildings like a shed.
  2. Coverage on the property that's within the house and/or any of the outbuildings.
  3. Liability coverages that will protect a homeowner financially when a person is accidentally injured on the property.
  4. Living expenses that will help pay for a place to live while a damaged or destroyed home is being repaired or rebuilt.

Insurers do vary in the policy limits that they offer and sometimes in the perils that they'll cover as well, so these are areas that you'll want to double check as you compare home insurance policies. Also ask how much it will cost to purchase additional coverage for special coin collections, for expensive jewelry, and for other items that exceed normal policy limits.

You'll also want to ask about available discounts for safety or theft-prevention equipment you've installed in your home fire alarms and deadbolts, for example). And as you compare home insurance premiums, see if there are discounts available for people who purchase their automotive coverage with the same carrier or for seniors who have lived in the same home for many years.

The Easy Way to Compare Home Insurance Policies
As the insurance marketplace has changed, so has the way that homeowners can find competitive rates on the insurance they need to protect their homes. Nowadays smart consumers know that a good place to start their search is This free online service makes the process of getting insurance quotes easy; just fill out a single form, hit the submit button and wait for responses from several of the top insurers in your area. is the fast, easy and effective way for homeowners to find the insurance they want and the premiums that fit their budgets.

See how much you could save today on your home insurance. Get your free home insurance quotes today!