Instant Homeowners Insurance Quote

The internet has made it so easy to get instant homeowners insurance quotes… but that’s not the only reason.

You see, the insurance market is one of the most fiercely competitive industries online. Insurance companies are paying *insane* amounts of money just to make themselves visible to you and me so they can have the opportunity to just quote us a price… this all happens without us having to spend a dime!

How To Get Instant Homeowners Insurance Quotes

I’m going to show you exactly how to find the best insurance quotes but first we need to make sure we’re on the same page.

When looking at quotes from different companies you need to be sure they’re all quoting based on the same criteria.

Example:

You *do not* want one company quoting you a policy based on a $20K deductible and another company quoting on a $5K deductible.

The prices will be *drastically* different and you might think one is a better deal than the other AND BE COMPLETELY WRONG!

Bottom Line: Make sure the homeowners insurance quotes are based on the same criteria so you can make accurate comparisons.

Homeowners Insurance Criteria You Need To Know

How much coverage do you *really* need? If a fire were to destroy your home and all your personal items, how much would everything cost to replace?

Usually people have no idea what their stuff is worth so they just “pick a nice number” when buying a policy. This often means you will either spend *much* more then you need to or worst, will not be covered to the extent that you need!

It really helps to take a quick inventory of your personal stuff. No need to go overboard and spend hours on it… just write down the “big categories” and estimate how much your property is worth.

Example:

• Computers & Electronics - $8,000.00
• Furniture - $6,000.00
• Clothes - $4,300.00

… you get the idea!

After you finish making your list, total up the numbers and compare them with your current insurance policy. If you lost all those items would your policy cover them?

The Different Kinds Of Structure Policies On Homeowners Insurance

Most people don’t look at their specific coverage enough and end up getting screwed when something unfortunate happens.

There are 3 basic options you’ll chose from if your house gets destroyed in a disaster.

• Your covers only 80% of the rebuild and damage. This is where people who don’t have adequate savings miss the boat and regret it when disaster strikes. Look at the partial coverage outlined on your policy and make sure you’re prepared for it.
• Full cost coverage. The insurance company will pay you up to the full value of your home. This is often the most popular choice among homeowners for obvious reasons….
• Guaranteed Replacement. The third option is the most liberal (and most expensive!)… simply put: they will replace and rebuild absolutely everything in your home without limits. There is no limit based on the value of your house.

Bottom Line: Take some time to value your personal property and think about how much coverage you and your family really need. It can truly save you thousands of dollars in the long run…

Smart Homeowners Insurance Search