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Posted by on May 30, 2019 in Home Insurance |

3 Top Tips for Shopping for Home Insurance

3 Top Tips for Shopping for Home Insurance

If you know how to shop for home insurance, you can not only save yourself a great deal of money, but also prevent a big headache in the process! Buying home insurance isn’t like grabbing a carton of milk at the grocery store or picking out a new sweater – a lot of thought and consideration should go into it! And while you may not need help stocking up on groceries or new clothes, having good advice and help in the home insurance buying process is essential. Here are 3 tips for shopping for home insurance to help you get the right plan for you and your home.

  1. Get a Good Idea of Your Assets – Before you begin shopping for home insurance, it’s important to determine your insurability. Insurance agents will ask things like when your home was built, what type of roof it has, its square footage, where it’s located, and about your previous claims. Knowing this ahead of time will save you a lot of back and forth in the home insurance buying process!
  2. Know Your Options – While it can be tempting to go with the first insurance policy you see, it’s a good idea to have a look at several different policies to make sure you’re getting the right kind of coverage at the best price. Your insurance agent should provide you with different insurance options and explain the ins and outs of each one to you.
  3. Ask About Discounts – Did you know you can get discounts on your home insurance policies for all sorts of different things? It’s true, and being aware of any discounts you’re eligible for ahead of time will ensure you don’t miss out on them. Things like having an alarm system, getting an impact-resistant roof, leak sensors, and storm-proofing can all help you get a better rate on your home insurance. Being married or widowed can also help you get a better rate, and many companies offer discounts for non-smokers because of the reduced fire risk!