Home Owners Insurance Quotes
Finding home owners insurance quotes is not the most fun part of house shopping or closing on a property, but it is one of the most important. And if you’re taking out a mortgage on the property, it’s probably a requirement to securing the loan. Next to picking out a new granite counter for the kitchen or redoing the deck in the backyard, shopping for home owners insurance quotes probably feels more like a root canal than wise protection for your home and your household’s finances. In truth, what’s so frustrating about home owners insurance quotes isn’t so different than other insurance products: Talking to sales reps/agents, reading the fine print, premiums that feel too high, and the uncertainty of future premium costs. To this end, NetQuote has designed an online referral system to minimize these hassles and headaches.
Keys to Understanding Home Owners Insurance Quotes
Shop Early and Often: You can’t hope to understand home owners insurance quotes, much less buy the best policy for your home, if you don’t have the time to see what’s out there. Typically, you can’t close on a house until you have a homeowner’s policy in place. Likewise, with nothing less than a roof over your head at stake, this isn’t the sort of policy that you want to let lapse for even a short period of time. Meanwhile, finding an affordable is no easy task, nor is it easy to find a policy that adequately protects your home and finances from potential damages. Finding one that does both is going to take longer than you suspect.
Make an Apples-to-Apples Comparison: This tip is easy to follow in theory but difficult to successfully navigate when talking about policies and prices with individual agents. Most importantly, you need to make sure you’re not comparing the price of a “named-perils” policy with a “open perils” policy. Simply put, the former policy only covers those hazards specifically enumerated, while the latter policy covers everything not specifically excluded in the language of the policy. Furthermore, you need to make an apples-to-apples comparison for policy benefits that cover “market value” vs. “replacement costs” of the home, in the event of a total property loss.
Exclusions and Riders: Even an “open perils” policy will usually have a few common exclusions that homeowners would do well to watch out for. Unfortunately, some of these exclusions–flooding and earthquakes, chief among them–are not only commonly included in policies, they’re very present and costly hazards waiting to befall your home. If you live in area where chances of these particular hazards is high, make sure you buy a supplemental rider to gain protection from these events.
Customer Service and Reliability: Nobody is shocked to hear that some insurers have a better track record than others when it comes to customer service and paying out claims. This is not a trivial matter. When a hail storm, burglar, or other hazard hits your home, the last thing you’re going to want to do is go eighteen rounds with your insurer to get a claim processed and a check cut, especially if you have a diminished capacity to use and enjoy your home in the interim.
Find Local Home Owners Insurance Quotes
NetQuote does much, much more than just provide you with the necessary information about home owners insurance quotes to make the right decision for your home. We also actively connect you to licensed insurers who are writing policies in your area. All you need to do is take a minute to submit an online request, and we’ll go to work for you. First, insurers will take the initiative to contact you through email and phone with various offers and price estimates. Yet, because you can field these offers on your own time, at your own pace, and from the comfort of your own home, you’re more likely to make a carefully considered decision with the hassle or stress of high pressure sales tactics. Best of all, this form of comparison-shopping and lower overhead costs for insurers leads to a better price for your next policy.
See how much you could save today on your home insurance. Get your free home insurance quotes today!