You love your home, so you know that it's important to get it protected with legit homeowners insurance. But how much is it gonna cost you?
Our independent insurance agents shop and compare policies from multiple carriers to find the right coverage at the best possible price. Plus, they'll also break down any fancy insurance words to make sure you know what you’re paying for.
So let’s start with a little insight into exactly how insurance companies decide what to charge you.
The math whizzes at the insurance company start by reviewing a list of risk factors (things like size, location, etc.) associated with providing specific types of coverage.
These risk factors all have scientifically proven costs associated with them. They add up the ones that apply to you, add a bit of profit margin, hit enter and—ding—your rate is ready.
NOTE: The cost of your coverage might change over time, as the financial demands of offering the plan may increase. Just a heads-up.
Find out what the average homeowners insurance premium is in your state.
Homeowners insurance is a contract between you and the insurance company. And it’s basically as simple: You give them a set amount of money, and in return, they help protect you from damages and liabilities that are covered under your policy. Pretty simple, and totally worth it.
Accidents will happen, so It's important to protect your home and the things in it from the unexpected. Your insurance policy will cover a number of things, like property damage, liability, regionally popular natural disasters, and a whole lot more. If you ever have any questions, your agent can help you nail down exactly the type of coverages you need.
As rewarding as home ownership is, sometimes you will spend sleepless nights gripped in fear of the unknown. So whether it's misfit vandals or high winds, the right coverage can help take some worry off your mind. In general, a garden variety homeowners insurance policy should include these coverages:
When an insurance company is calculating your rates, they look at quite a few different factors. Among those factors are things like:
For the most part, the cost of your homeowners insurance policy depends on your home’s location, size, value and a few other factors. But depending on your needs, you might also want to add on a few additional types of coverage. Talk with your agent about your concerns. For starters, though, here are a coupla celebrity examples:
Just like everything else, homeowners insurance costs depend a lot on where you live. Florida is typically the most expensive state for homeowners insurance, due to its proximity to Disney World and its frequent dirty dances with Mother Nature. On the flipside, Hawaii, AKA Mother Nature's BFF, is the cheapest state for homeowners coverage.
The following factors influence the costs associated with your location:
Comparing policy rates by yourself can be complicated and there are a lot of big nuggets to digest. That’s where an agent comes in handier than duct tape—they'll know everything that's important to consider when comparing rates.
Our independent insurance agent can make your life all sorts of easier—at least through this process. Since they're not tied down to one insurance company, they're free to shop, compare, and assemble all the pieces of the coverage puzzle for you.
Look, we know what you want—quick and super-easy homeowners insurance quotes in under a minute. We get it, you dig instant gratification. However, choosing lightning-fast speed could mean sacrificing accuracy...which could end up costing you.
Other online companies might leave out options that'll save you some serious green, while conveniently leaving in factors that assume higher risk and calculate a pricier policy. And that’s no fun.
Plus, our competitors might also sell your precious info to multiple companies, which could lead to a bunch of unwanted voicemails from unknown numbers. We grabbed the mic and gave it to YOU by providing the info and options to connect with an independent insurance agent when YOU are good and ready.