Article by Andrew Bicknell
If you want to get a truly good deal on protecting your home then compare home insurance rates with an online quote. Home insurance as a general rule is not overly expensive but it also doesn’t mean you need to pay more then need be. And the peace of mind you get knowing your most valuable investment is properly protected is well worth the effort.
The great thing about going online to get insurance is being able to get multiple quotes in a short amount of time with minimal effort. All the big insurance companies have an online presence that includes websites that let homeowners fill in the necessary information online and return a policy quote in a matter of minutes.
Most insurance companies require the same information to accurately quote your home owners insurance needs. If you gather this information before hand you’ll be able to quickly fill out the required information. If you have a current insurance policy pull it out of the file and look it over. A good portion of the information you need will be on it. The main questions you will need to answer include:
1. The square footage of your home, the year it was built, and in some cases the type of construction.
2. The amount of coverage needed, which is based on the amount of money it would take to rebuild your house from the ground up. Many people mistakenly insure their home for its perceived resale value, which in most cases is too much insurance.
3. Do a home inventory to determine the amount of personal property coverage you will need.
4. Decide how much deductible you are willing to pay. Most insurance companies require at least a 0 deductible but you can opt for a higher amount which will lead to a lower premium.
5. They will also want to know the location or distance from your home to the nearest fire station. They may also ask for the distance to the nearest fire hydrant.
You can plug this information into any insurance website and get an accurate quote in just a few minutes. When you want to compare home insurance rates it doesn’t get any easier then this.
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