| Home insurance can be expensive, but you can save | | | | when your home is being repaired and you need a |
| hundreds of dollars a year on your premium by | | | | place to stay. |
| spending just a few minutes shopping rates. Here's | | | | Shop Online |
| how ... | | | | Shopping for home insurance online is the quickest and |
| Understand What's Covered | | | | easiest way to compare prices and get the best rate. |
| You want to understand what a home insurance | | | | Now, thanks to insurance comparison websites, you |
| policy covers so you know how much coverage to | | | | can get quotes from a number of different companies |
| get. Here's what it covers: | | | | without having to go from one company website to |
| Your home - Your home insurance pays to rebuild or | | | | the next and fill out one form after another. You just fill |
| repair your home after it's been damaged by fire, | | | | out one simple questionnaire to get multiple quotes |
| water leaks, vandalism, lightning, frozen pipes, ice, snow, | | | | from A-rated companies. It's quick, it's easy, and it's |
| and storms. Standard policies do not cover damage | | | | free. (See link below.) |
| done by floods or earthquakes, but you can buy | | | | Money Saving Tips |
| additional coverage for those disasters through your | | | | Once you've chosen the company with the best rate, |
| insurer. | | | | you can lower your premium even further by following |
| Your possessions - It pays to replace your personal | | | | these tips: |
| possessions after they've been stolen or damaged by | | | | Insure only your home - Don't insure your home based |
| vandalism, fire, water leaks, lightning, frozen pipes, ice, | | | | on it's market value which includes the value of your |
| snow, and storms. Standard policies limit coverage for | | | | land. Find out how much it would cost to rebuild your |
| expensive items like jewelry, antiques, and furs, but you | | | | home from a local builder or real estate agent, then |
| can purchase additional coverage for these items | | | | insure your home for that amount. |
| through your insurer. | | | | Raise your deductible - Raising your deductible, the |
| Your assets - It pays for liability claims and your legal | | | | amount you pay toward a claim before your insurer |
| fees when you're found liable for injuring someone, like | | | | will pay, can save you a bundle. For instance, raising |
| if they slip and fall on your property. Standard policies | | | | your deductible from $250 to $2,500 can save you up |
| include $100,000 worth of liability coverage, but you can | | | | to 35% on your premium. |
| purchase more coverage if you have a lot of assets | | | | Install security and safety devices - Installing a burglar |
| you want to protect from a lawsuit. | | | | alarm, dead-bolt locks, window locks, smoke detectors, |
| Additional living expenses - It pays for your additional | | | | and security lights, can save you 5% to 20% on your |
| living expenses, such as motel and restaurant bills, | | | | premium. |