Your homeowners insurance premiums can vary by hundreds of dollars, depending on the size of your house, amount of coverage, your deductable, and the insurance company you choose. Many homeowners mistakenly assume that all policies and providers are the same. This type of thinking could cost you thousands of dollars in the long run. Here are some ways you can save money:
Shop around.
Prices vary from company to company, so it pays to shop around. Get at least three price quotes. You can call companies directly or access information via the Internet. Your state insurance department may also provide comparisons of prices charged by major insurers.
Get quotes from different types of insurance companies. There are three types of insurance companies:
1. Those that sell directly over the phone to the consumer
2. Those that sell through their own agencies that share the
name of the insurance company
3. Those that use independent agents
Price alone should not be the determining factor. Customer service and fair, efficient payment of claims are also important. You should speak to friends and co-workers about their experiences with various providers. Check with your state insurance department to research consumer complaint ratios.
Keep in mind: if you have a serious claim, these are the people you will be relying on to help you through it.
http://www.theinsurancecenter.us/
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