So you're ready to find the right insurance coverage for your home. Let’s do this. We’ve been around the block a few times and know that finding insurance quotes can be a bit tricky—the process can be long, tedious and confusing.
Lucky for you, our independent insurance agents are here and can handle all the dirty work. They'll shop and compare policies from multiple carriers to find the best coverage. Best part is, they’ll break down all that fancy insurance-y technical jargon in a way that's easy to understand.
But before we get too far ahead of ourselves, let’s talk about homeowners insurance quotes, how they’re made and how to get the best ones placed on the table in front of you.
Before you dive into getting coverage, you should know how insurance companies come up with quotes.
NOTE: Quotes are subject to change—the insurance company may gradually increase your premium over time to keep up with the financial demands of offering the coverage.
Step 1: Understanding Homeowners Insurance and Why You Need It
Now that you understand how homeowners insurance quotes are born, it's important for you to understand what homeowners insurance is, and why you'd need/want it:
Homeowners insurance quotes are only as good as the info you provide. So make sure you supply the following details with a sharpshooter’s accuracy:
Comparing quotes by yourself can be complicated, frustrating and sometimes dehydrating. You've gotta keep things in mind like an insurer’s claims process, customer service and reputation or you may really kick yourself if something bad ever happens.
Here's where an agent comes in to save the day—they'll know everything that's important to consider when comparing quotes.
An independent agent can make your life a whole heck of a lot easier—at least through this whole quote-getting process. They're not tied down to one insurance company, so they're free to shop, compare and assemble all the pieces of the coverage puzzle for you—even if they end up coming from multiple carriers.
The more you can tell your agent about your situation, the better. Makes sense, right? So open communication is key to make sure you have just the right amount of coverage at just the right price. When chatting with your agent, here’s a couple getting-to-know-you type items you’ll want to discuss:
And we mean everything. Tell them all the nitty gritty details, because inevitably they, or the carrier, will eventually find out. And purposefully omitting risks to get yourself a lower premium will often come back to bite you in the back door. So keep these pointers in mind:
We know what you want—quick and easy homeowners insurance quotes in under a minute. We get it, you want the lowdown, ASAP. But insurance isn’t a microwavable corn dog, and not being cautious could mean sacrificing accuracy...which could end up costing you.
Look, we all love quick quotes–but online companies might leave out options that'll save you some serious green, while conveniently leaving in factors that assume higher risk and leave you with a pricier policy.
Not only that, but our competitors might sell your precious info to multiple companies, which could lead to a bunch of unrecognized phone calls and a flooded voicemail box. We flipped the script by giving YOU all the info and options to connect with an independent insurance agent when the time is right.