Home Insurance Quotes Comparison

What’s your home made of? Brick houses typically cost less to insure than those made of wood, which are more flammable. Older homes or structurally unsafe homes will demand a higher insurance premium.

If you’re already the owner of a homeowners insurance policy, a record of making a high number of claims will lead to higher rates. Always think before you make a new claim: is it worth the rate hike next year? Determine which issues can be taken care of easily, and which will actually require an insurance payout.

Your physical house and other structures on your property are covered in the event of a theft or criminal property destruction. It also covers damages from fires, lightning, windstorms, and hail. What’s the weather like where you live?

Any belongings damaged in the above-described events can be reimbursed to varying extents, depending on your coverage levels.

Covers expenses associated with living in your home while you wait for claim-related repairs or restoration.

Combining your home and auto policy.

Over time, if you stick with a homeowners insurance provider, you could save on your policy – but often only after years of customer loyalty.

Homeowners with a demonstrated history of no claims are often rewarded. Try all means necessary to prevent a property claim, and you could see your rates fall over time.

If you’re demonstrably able to pay for your homeowners insurance in one lump sum, an insurance provider may mark down the price of your premium.

Older homeowners are more likely to be home, and most burglaries occur during daylight hours.

As is the case with other types of insurance policies, sometimes it pays to get hitched.

If you’re part of a homeowner’s association (HOA) in your neighborhood, it’s likely that you’re subject to high home-maintenance standards.

Your personal belongings are important to you. They’re also important to a burglar. A house equipped with a proper burglar alarm system to stave off theft is seen as a less risky investment to insurers, who have to pay partial or full replacement cost for your stolen property.

Got an up-to-date smoke alarm installed in your home? Expect some savings from your provider.

If you live in a heavily forested area or are otherwise at risk for roof damage, make sure the structural integrity of your roofing is up to snuff.

For an insurance company, the fewer threats to the safety of your house, the better.

Older homes are prone to degradation; buying a new house that’s up to code might lower your risk profile. 

Smoking is one of the top common causes of house fires. 

 Leak detectors can often detect leaky pipes in your home before water damage becomes too catastrophic.