Gather Information

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

Understand Coverage Options

Familiarize yourself with common coverage types like dwelling, personal property, liability, and additional living expenses. Know when you might need each type

Compare Deductibles

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​

Research Insurance Companies

Check the reputation and financial stability of insurance companies through customer reviews, ratings, and state insurance department records

Obtain Multiple Quotes

Use direct calls to agents or online comparison tools to get quotes. Provide consistent information to each insurer for accurate comparisons

Review Coverage Limits

Ensure coverage limits are sufficient to cover the replacement cost of your home and belongings in case of total loss

Consider Discounts

 Inquire about discounts for security systems, being claims-free, or bundling insurance policies. These can significantly lower premiums

Evaluate Customer Service

Consider insurers' responsiveness and effectiveness in communication. Good customer service is crucial for a smooth claims process

Review Exclusions and Limitations

Understand what is not covered by each policy to avoid surprises during claims. Check for common exclusions and limitations

Check for Additional Coverage Needs

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