How Many Homeowner Insurance Quotes Do I Need To Save Money?
Homeowner insurance quotes can vary in the amount they cost you based on a variety of factors ? many that you can control. There are of course some variables that are common among all house insurance policies. They include the size of your house in total square feet, the building costs in the area that your property resides in, the materials used to construct your home, the amount of crime in and around your neighborhood and the condition of your home's plumbing, heating and electrical wiring. Do you live in an area that has numerous natural disasters such as fire, floods or tornados? If so they can add to the insurance costs.
There are numerous ways to mitigate the cost of your insurance before you even decide to get homeowner insurance quotes. They include raising your deductible, buying from the same insurance company that currently provides you auto insurance, discounts for security devices and by making your house more disaster resistant. However the biggest way to lower your total cost is to get multiple homeowner insurance quotes.
The question that usually pops into a consumers mind is how many quotes are needed in order to make a decision. The truth is it could be as low as one quote if you feel comfortable with that first initial quote. As a homeowner myself I can tell you that I prefer to have at least three different homeowner insurance quotes from different providers with five or more quotes being about right.
Before the Internet came along this may have been very time consuming and frustrating. Now it can be as simple as visiting one of the many websites that deal with home insurance, plug in some information and wait to see how many quotes are provided back to you. You could do this with five different insurance companies and receive upwards of fifteen or more homeowner insurance quotes very quickly and easily.
After receiving all of your free insurance quotes you should use the following four criteria to pick the policy that's right for you.
Price ? Your Internet research really pays off in this area, as you will be able to quickly see how much the coverage you require will cost from several different providers. Remember although the lowest cost is your goal it's not always representative of the best policy.
Stability ? A low costing insurance policy does you no good if the company offering the policy goes out of business when you need them the most. Look for a company that is financially stable so you know they will be around to pay any claims.
Service ? Make no mistake customer service can be extremely important especially if you're calling your insurance provider right after your house has been demolished by a hurricane. Your future insurance company and its representatives should answer your questions and handle your claims fairly, efficiently and quickly.
Comfort ? Probably one of the biggest factors when it comes to finding the best home insurance policy. No matter how many homeowner insurance quotes you receive if you don't feel comfortable with any of the provider's policies, procedures or insurance agents then it the cost savings won't matter. You want an agent or company will be easy to reach if you have a question or need to file a claim.
As you can see a general rule of thumb is at least three homeowner insurance quotes should do the trick in helping you find the best possible policy for your situation. My feeling is that five quotes can be more beneficial. Anything more then that may be overdoing it but you never know you may find that one home insurance quote that was hidden from everyone else.
Timothy Gorman is a successful webmaster and publisher of Best-Free-Insurance-Quotes.com. He provides more insurance information and offers discount auto, life and home insurance that you can research in your pajamas on his website.
Other websites operated by TimCellular-Phone-Solutions.com - Free information and resources regarding cell phones and cell phone plans.
Military-Loans-Online.com ? Which provides free money saving loan quotes on all of your loan needs to include home equity loan information.
How Much Can My Auto Rate Increase After One Accident?
Accidents almost always make your insurance rates increase. Whether or not the accident was your fault, your insurance company may have to pay for your involvement in it. Most 'at fault' accidents result in an increase in premium, because the accident will get...(related: Insurance)
Choosing Long-term Care Insurance
A little over sixty percent of the folks who reach 65 years of age will need some long-term care. The average nursing home stay ranges from 2-5 years and costs on average of $135.00 per day currently in the United States. These averages and costs are going up little by little each year? Can you afford to be without long term-care insurance? Y...(related: Insurance)
Underinsurance Can Spell Disaster For Homeowners
Insurance is meant to give homeowners peace of mind, but an increasing number of policy holders are putting themselves at risk by neglecting to insure their home and conten...(related: Insurance)
Auto Insurance Rates
Auto insurance rates will vary depending on the insurance agency, your driving record, and the type of insurance you are looking to purchase. I you are looking for affordable car insurance or truck insurance then read on.There are ways to reduce your premiums without giving up coverage. One of the easiest things to do is get auto insurance rate quotes online. This will allow you to comparative shop stress free.Raising your deductibles is the easiest way to reduce your rates. The higher the deductible, the lower the premium will be. The deductible is the portion you will have to pay in the event of accident, before your insurance coverage steps in. It's important not to carry a deductible that's more than what you ar...(related: Insurance)
Term Or Whole Life Insurance - Which Is Right For You?
One of the most important things you will ever do is to choose a life insurance policy that will provide for your family after you are gone. Choosing the life insurance policy that is right for you and your family can be quite confusing. Do you want term life insurance? Would whole life, or permanent life, insurance be a better choice? Before you purchase a life insurance policy, make sure you understand the differences between the types of life insurance that are available to you.Life insurance is generally purchased as either term or whole life, also known as permanent insurance. While the cost ...(related: Insurance)
7 Tips Toward Helping You Reduce Your Insurance Costs
Not a year goes by that insurance rates go up. At least it seems that way. You can control ? even reduce ? your insurance expenses by following these...(related: Insurance)
Business Insurance; Information You Will Need
When you start a small business you will need to have insurance. You would be wise to shop around. Triple A rated carriers like Farmers Insurance, State Farm and All State are definitely places to get quotes from, but also be sure to check out your local independent insurance agents as well. When shopping for a quote there is some things you will need to know. For instance you SIC code and business category. If you are involved in more than one, it pays to look at both SIC codes to see which category is preferred by the agents underwriters. Some SIC codes many insurance companies will not even touch. For instance Car Washes, Amusement Parks, Aviation Businesses and security companies. But there are insurance companies who specialize in these areas. Perhaps you might wish to thumb through a recent trade journal to see which insurance c...(related: Insurance)
Handling Your Motor Vehicle Accident With Your Own Insurance Company
This "How To" article is crucial, up-to-date information concerning what to do if your insurance company is giving you a hard time (regarding your own motor vehicle accident claim with them) and you're positive it's "Legit". If there's some problems with whatever position they've taken regarding your Property Damage Loss (or any other coverage-questions they may be ducking/stalling/ignoring and/or disputing) you don't hav...(related: Insurance)
Filing Auto Insurance Claims: The Basic Steps To Take
An automobile accident can be a terrifying event for anyone, even when there are no injuries sustained. However, it is stil...(related: Insurance)
Give Your Auto Policy A Tune-up
When you originally purchased your auto insurance policy, you purchased a certain type of coverage to meet your needs at that time. Since then you have probably experienced many changes in your life. Have these changes changed your auto insurance needs? Is it time to "give your auto policy a 'tune-up'"?As you probably already know, the term 'tune-up' is usually discussed with vehicles. A new vehicle rarely experiences any mechanical problems. However, over time a vehicle's performance and efficiency levels may decline. At that time, you may need to 'tune-up' your vehicle's engine to bring its levels of performance and efficiency to an acceptable level.As stated earlier, you have probably...(related: Insurance)
Private Health Insurance: A Sense Of Dissatisfaction
The three C's, customization, consumerization and customer-satisfaction, seem to be at the core of the business mantra for every service provider. The health insurance provider industry is no exception to this rule. With an increasing concern among the tax payers of US regarding the number of people uninsured in the country, there is a burgeoning market for the providers. Even though, this seems to be a buyer's market, there seems to be a lot of dissatisfaction among the people with the red tape and bureaucracy involve...(related: Insurance)
Are Accidents More Likely To Occur Closer To Home?
If you are going to be involved in an accident, chances are it will happen close to your home. Progressive Insurance polled 11,000 of its policyholders who experienced accidents in 2001. They found that 52% were involved in accidents within five miles from there home and 69% were involved in accidents within ten miles from their home. Only 17% of those polled experienced accidents beyond twenty miles from his or her home (Strillacci, 2002).To some people, this is major news and would deter them from driving. I would hope this statistic would not do this to you. I anticipate this article will actually give you confidence in driving short, and long, distances from your home as well as show you the important role insurance plays in our lives.As I already showed statistically, you are lik...(related: Insurance)