4 Tips to Better Homeowners Insurance Quotes Published
on: July 3, 2009, 7:06 am
of the first things you do when you buy a new home is you start
shopping for homeowners insurance
quotes. Finding the right policy goes well beyond the right
price. It's critical that you get the appropriate coverages to
make sure you, your family, and your property are appropriately
covered. It may seem like a daunting task at first, but this article
is designed to serve as a quick guide to getting a new policy
quickly and painlessly. Below are some helpful tips for choosing
the right homeowners insurance policy.
Into the Companies You Are Getting Homeowners Insurance Quotes
In order to insure that the company you are looking at is financial
stable and has a good history of paying claims, check into their
background. Use services like AM Best to find out what their credit
rating is. Use search engines like Google to investigate for complaints,
lawsuits, or current criminal investigations. It’s also
a good idea to check with your state department of insurance to
see if they recommend any particular companies as being safe before
you start getting homeowners insurance quotes.
Your Available Options
important things to keep in mind are your cause-of-loss options
and additional coverages for personal belongings such as jewelry,
antiques, electronics, collections, appliances, etc… The
cause-of-loss option comes in three forms: basic, broad, and special.
Basic and broad very general and limited coverages. Many claims
will not be covered by a basic or broad cause-of-loss policy.
Special on the other hand is general much more comprehensive and
covers nearly any property loss/damage, for nearly any reason.
consider your options for additional coverages for your personal
belongings. Most homeowners insurance quotes will be for a basic
rate without any additional coverages for jewelry, etc…
Make sure to tell your agent if you have anything valuable you
own that you would like covered and to make sure you new policy
actually covers the damage of theft of those items.
Make Sure you are FULLY Covered
all too common that the average homeowners insurance policy doesn’t
include enough coverage for the property its insuring. Neatly
60% of the households in the US are underinsured. Its critical
that when you are looking at a new policy that your homeowners
insurance quote includes an accurate appraisal of your home and
its contents. Double check the insurance agents calculations to
make sure they are accurate otherwise you could end up severely
under compensated when you go to file a claim. This is the perfect
time to get a second opinion on the estimated replacement value
of the home by comparing the homeowners insurance quote you get
with another agent or another company.
Compare and Save Big
a site like InsuranceAgents.com you can compare multiple quotes
from local agents in your area. When agents start competing for
your business you will be amazed at how much lower of a rate you
end up with in the end. This is the most convenient and fastest
way to compare several different homeowners insurance quotes from
different companies all from the convenience of your computer.
more information, visit InsuranceAgents.com
Contact Details: Tom Lustina
435 North LaSalle
614 286 0193