Protect your No.1 Asset with Affordable Homeowners Insurance! Make sure that you get the full value of your cherished home and possessions if disaster strikes!

You Know You Need Home Insurance.... But With So Many Options and Companies. How Do You Make Sense Of It All? Simple: Use this free site to compare all the major home insurance companies, instantly and painlessly. All you need to do is enter a few simple details, and right away you'll see exactly what the major insurance companies can really offer, and what will work best for you and your situation. Get your free quotes right now

Benjamin Franklin once said, "By failing to prepare you are preparing to fail." And never a truer statement was uttered that could be applied directly to homeowners insurance. Now it is unlikely that Benjamin Franklin had this in mind when he uttered his immortal words! But nevertheless if you fail to plan for the worst case scenario of what could happen to what is, for most of us, our biggest asset, then you are courting disaster.

Homeowners insurance can cover a multitude of scenarios from fires of the physical building to the burglary of the contents and more. And is very adaptable according to the specifics of what it is you wish protected. For example different plans could cover lawsuits for people injured in your home, vandalization, or even animals rampaging through your home if you live near a wildlife park! So it is important to realise that it needn't just be the bricks and mortar that you protect, but also your valuable possessions, and that there is a lot of flexibility in how you structure any insurance plan.

Because homeowners insurance is so adaptable it makes it very important to thoroughly read your plan, and be fully conversant as to the exact terms, and what you are and are not covered for. So for example flooding is typically NOT covered, and so if you live in an area where there is a possibility of flooding then you need to address that carefully in any quotes you get. If in any doubt then question the companies closely as to different scenarios that you can forsee. For example, "Would I be covered if this happened?...".

Like any type of insurance the more comprehensive the cover the higher the price is likely to be. And you may need to decide on a balance between coverage and cost. If you live in the middle of the Arizona desert do you really need that add-on flooding cover for example?! But nevertheless, only you know what you need covered, and if it makes you feel better (and you are willing to pay for it) then go for it. That said, home owners insurance is not a luxury. It is a necessity for anyone who is shocked by facts such as that according to the US Fire Administration, between 1992 and 2001 an average of 1.9 million fires were reported each year in the US, with direct property losses in 2001 due to fires being $10.6 billion. And that is just fires!

In 2002 the FBI compiled burglary data that showed Burglary offenses nationwide in 2002 were estimated at 2,151,875, marking a 1.7 percent increase when compared to the 2001 figures. And that figure is only going up over the last few years. So the need for comprehensive homeowners insurance is becoming even more compelling. So get yourself covered, and don't be a statistic! And exactly how affordable it is will probably surprise you.

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