How to Get a FREE Home Owners Insurance Quote! (And Nab a Bargain!)
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Getting homeowners insurance is not as difficult
as some imagine. However, if you are a first time home buyer and
have never done this before or are changing companies after many
years, getting a good deal on homeowners insurance can be a daunting
prospect. Here are some ways to get a great quote and a great deal.
Before you start shopping around for quotes there are a few things that you should
do to make it easier and quicker. First of all, know the value of your home.
You can find the tax value on your county's real estate tax website or you can
call their office directly. You shouldn't have any problem getting this information
as it is public record. Secondly, determine the separate value of the home and
outbuildings from the land. The only amount you need to insure is your home,
not the land it sits on. Next, estimate how much it would cost you to replace
the contents of your home. Add these numbers together and you will know just
how much insurance you need.
Choose a few reputable companies that have local offices. Having an agent who
is close in the event of an emergency will be very valuable. An added bonus is
that if you have questions or need to make changes you have the option of doing
so in person. How do you know if it is reputable? Ask friends and neighbors for
recommendations and check the companies out on the NAIC's website.
You have two options when asking for a quote. You can do it online or over the
phone. All companies worth doing business with will have a user friendly website
that can give you a quote. If you have a lot of questions or want to negotiate
discounts, you may prefer to call or visit an agent. No matter which option you
choose, there should never be a charge. If they want to charge you for simply
quoting you a rate, run the other way! There are plenty of other great companies
out there who would be thrilled for a chance to earn your business, for free.
Once the company has given you their quote, begin asking about discounts and
exclusions. If you have a high risk item, such as a trampoline, on your property
you will want to see if it is covered. There are also many discounts that are
offered by homeowners insurance companies. Be sure to ask for a list of them
so that you can take advantage of every single one that applies to you.
Getting a free homeowners insurance quote is very simple and easy, particularly
if you are prepared ahead of time. Remember, never pay a fee for a rate quote
and be sure to ask for discounts. Keep these things in mind and you will snag
a great bargain!
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