Five Steps to Get Free Home Insurance Quotes

If you need to get free home insurance quotes here are five simple things to consider:

Increase the Deductible

By simply increasing your deductible as little as a couple of hundred dollars, you can significantly lower your premiums. The average home deductible ranges between $300 and $500. If you push your deductible up to say $1,000 you could save as much as 25% on your premiums!

Bundle Your Auto and Home Policies
Bundling is a relatively new term for an old idea. It simply means getting more than one policy through the same provider. What’s the benefit? Most insurance providers are willing to give multi-policy consumers a 10-15% discount on their premiums.

Look for Discounts

Every homeowner's policy offers a number of additional discounts that can lower your rates. Some glaring discounts are installing smoke detectors in every room, a CO2 detector in the kitchen, deadbolts in all doors, security systems through the house, and security cameras on the property. Call and ask your agent how you can qualify for more discounts.

Be Policy Specific

Review your homeowner's policy and make sure you’re in compliance with it. Have you added a new room or a pool? You've got to specifically state these additions and have your policy redrafted. This will ensure everything is covered and there are no gaps in your coverage. Also, make sure you’re not insuring the land upon which your house is built on. Make sure your policy only covers your house – this could save you hundreds!

Shop Around

If never hurts to get free home insurance quotes even if you have home insurance. Free quotes can help you gauge where your current policy stands. Are you paying more than what you could get with another company? Use these quotes to bargain for lower rates from your current insurer. Or, if you want, jump ship and take advantage of the lower quote!