How to Get a FREE Home Owners Insurance Quote! (And Nab a Bargain!)  
 
 

How to Get a FREE Home Owners Insurance Quote! (And Nab a Bargain!)

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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