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Protect Your Investment with Homeowners Insurance

Home ownership: it's an American dream. But buying a place of your own or settling the family in new digs requires financial commitment. That means saving for a down payment, getting the right loan, and—perhaps most importantly—finding affordable home insurance.

Whether you're buying your first home or just moving up to something larger, your home represents a huge investment you can't afford to ignore.

That's where we can help. By helping you understand your options, providing you money-saving insurance strategies, and matching you with local insurance agents offering free home insurance quotes, getting insured cheaply is simple, easy—and convenient.

Tips for Getting Insured

When you buy a new home, lenders need insurance information up-front. To make things quick and easy on yourself, let the agents you're matched with know what you're looking for and how much you can afford to spend. Then examine several price quotes and choose the policy that fits your budget best.

Once your home is insured, supply the lender your insurer's name and contact information, coverage levels and deductibles. They'll add this information to the new contract and escrow insurance as part of your monthly expenses.

No matter how long you live in your house, don't stick with the same homeowners insurance company year after year just because it's easier. Though commendable, loyalty may keep you from getting the best deal.

Instead, pull your insurance policy out and take a peek at least once a year. Shop your rates, make coverage changes that reflect changes you've made to your home, and discuss discounts with local insurance providers. Then settle on the broadest coverage for the least amount of money.

Maximizing Savings

As you compare coverage, prices and quotes, use these money-saving tips to save 60 percent or more on the protection you need:

  • Set deductibles as high as possible to slash as much as 25 percent from insurance rates.
  • Buy insurance for car and home from the same provider. This could garner you an additional savings of up to 15 percent.
  • Install security or safety devices in your home. This extra protection makes homes more secure and can score you another 20 percent in savings.
  • Eliminate unnecessary coverage. Save a bundle by getting rid of extra, unneeded coverage on items no longer owned or greatly depreciated.
  • Make home improvements. Update electrical or plumbing systems, or add items like deadbolt locks for a sizeable discount.

Insurance rates can vary by thousands from one insurer to the next. So take these basics to heart, shave money off your home insurance policy, and shop for low cost coverage right here and now. You'll insure your home affordably and be able to enjoy it securely for years to come.

This article was written by for informational purposes only and not intended as professional advice.

Home Owner Insurance Some Hints And Tips

The insurance market is very competitive. Insurance companies are trading policyholders every year. A lot of people are upset with their rates and so they begin to shop in the insurance company jungle. There are the familiar names and the not so familiar names. Insurance companies have a tremendous responsibility and their margin for profit is always under siege because of the cost of doing business. How does the average consumer evaluate a homeowner insurance company? The answer is that you cant. That is somebody elses job. Insurance for us is very personal. Insurance companies try to make it personal but sometimes that is impractical and impossible. The best way to choose an insurance company is to first determine how you want to do business. Do you like personal service and consultation? If you do then you need to purchase your insurance from an insurance agent. If you like the speed of online and telephone purchases then by all means use the cyber world and the 800 number insurance companies.

The insurance company to most people is the agent. The agent is their connection and representative. Most people will either love or hate their insurance company based on their experience with their agent. Companies still love to do business with agents. Its hard to do business without an agent sometimes. They usually have a staff that assists them in servicing their policyholders. They are involved in the same community with their customers and so there is a bond between them. If you want to do business with an agent then compare home insurance companies that use agents. Ask around. Get a recommendation.

There are more and more folks that want to bypass the agent and do their business on line or with customer service representatives at call centers. If this is your preferable method then you need to compare insurance companies that operate strictly online or by telephone. There are rating guides available that will help you determine the financial strength of each company. The AM Best insurance resource guide is probably the best.

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