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