Before comparing quotes, know your home's square footage, age, building materials, and special features like pools or detached garages. Assess the value of your valuables for additional coverage needs
Familiarize yourself with common coverage types like dwelling, personal property, liability, and additional living expenses. Know when you might need each type
Higher deductibles generally lead to lower premiums and vice versa. Consider your ability to pay out-of-pocket in case of a claim and compare quotes with different deductible options
Check the reputation and financial stability of insurance companies through customer reviews, ratings, and state insurance department records
Use direct calls to agents or online comparison tools to get quotes. Provide consistent information to each insurer for accurate comparisons
Ensure coverage limits are sufficient to cover the replacement cost of your home and belongings in case of total loss
Inquire about discounts for security systems, being claims-free, or bundling insurance policies. These can significantly lower premiums
Consider insurers' responsiveness and effectiveness in communication. Good customer service is crucial for a smooth claims process
Understand what is not covered by each policy to avoid surprises during claims. Check for common exclusions and limitations
Consider add-ons for specific needs, like earthquake or flood insurance, especially if you're in a prone area. Also, consider extra coverage for high-value items like jewelry