Homeowners Insurance Quote Savings

Comparing homeowners insurance quotes is just one way to save money when shopping for homeowners insurance. Here are several other ways you can find a low priced homeowners insurance quote.

Shop Around for the Best Homeowners Insurance Quote

Shopping around for homeowners insurance quotes can lead to savings. Comparing multiple homeowners insurance quotes can lead to savings on your premiums. Using InsWeb.com's online homeowners insurance quote questionnaire can make shopping and comparing quotes quick and easy.

Look For Homeowners Insurance Quotes for Multi-Policy Insurance

Most insurance companies that offer homeowners insurance quotes will also offer consumers discounts for buying more than one insurance product from them. For example, if your auto insurance company also offers homeowners insurance quotes, you might get a discount of up to 15% off your premium for buying both products.

Only Get Homeowners Insurance Quotes for the Coverage You Need

Homeowners insurance quotes should be revisited every year to reevaluate any major changes. On the other hand, many of the possessions that homeowners insure depreciate significantly over the course of a year. Homeowners should update their home inventory, and compare homeowners insurance quotes for possible savings.

Consider Raising Your Deductible

Increasing your homeowners insurance deductible by just a few hundred dollars can make a significant difference to your premium. Most deductibles start at $250; therefore, if you raise your deductible from that to $1,000, you may save nearly 25% on your premium. Understand that raising your deducible means more expense out-of-pocket should an accident happen, but lower premiums.

Look For Discounts on Homeowners Insurance Quotes

There are many homeowners insurance quote discounts that go unrecognized by many consumers. For example, even though they seem ordinary, you may be able get a lower premium if your home has safety features such as dead-bolt locks, smoke detectors, an alarm system, storm shutters or fire retardant roofing material.

A new home's electrical, heating and plumbing systems and overall structure are likely to be in better shape than those of an older home; therefore new homes usually receive lower homeowners insurance quotes than older homes in the same price range.

Non-smokers usually can find a reduced homeowners insurance quote. If you were a smoker when you bought your house, but have since quit, many insurers may lower your rates. Smoking accounts for over 20,000 residential fires in the U.S. a year, so insurers offer lower homeowners insurance quotes to smoke-free households.

Find Homeowners Insurance Quotes for Your House, Not the Land Underneath

Consumers often overpay for homeowners insurance by including the value of the land that their home resides on. Remember that you only need to find a homeowners insurance quote for the home itself and your possessions, not the land. Should something unfortunate occur, the land will most likely remain. If you do not subtract the value of the land when deciding how much homeowners insurance to buy, you will most likely pay more than you should.

Compare homeowners insurance quotes using InsWeb's online questionnaire—it’s quick and you can compare homeowners insurance quotes from leading homeowners insurance companies in minutes!