Here's where you get the inside story on homeowners insurance quotes. HomeownersInsurance.com agents will help you find great coverage from some of the most recognizable names in homeowners insurance.
And did we mention that getting the quote is free? Simply call the number above or fill in your ZIP code and the year your home was built to get started online.
Providers don't just pull homeowners insurance quotes out of thin air. While many carriers collect the same information, they don't evaluate it the same way.
What kind of information goes into the formulas? Here are a few of the factors considered by providers:
The good news: Each provider weighs these factors differently. That accounts for what can be a wide variation in homeowners insurance quotes.
The other thing to remember when comparing homeowners insurance quotes is to make sure they're apples-to-apples comparisons, offering the same coverage levels and deductibles. What's a deductible? That's the amount you agree to pay out of pocket when you file a claim.
A higher deductible generally means that your homeowners insurance quote will be lower. However, you must be sure you're comfortable paying the deductible should you have to file a claim.
A standard homeowners policy will protect the structure of your home from damage caused by fire, wind, hail and several other named perils.
But that's not all a policy does. Also protected from those covered perils are other structures on your property, including sheds, detached garages, and fences. It also protects your home's contents – furniture, electronics, and clothing, for example – from those covered perils and from burglary. In addition, if your home becomes uninhabitable due to damage from a covered peril, your policy can help pay additional living expenses while your home is being repaired or rebuilt.
Liability protection is another important coverage offered by standard home insurance. When does this matter? In the event you're responsible for an injury or property damage. Liability protection comes in two forms. Personal liability coverage helps in case the person who is injured or suffers property damage decides to file a lawsuit against you. It can pay for your legal defense and any award ordered in the case, up to your policy limits. Medical payments coverage helps you reimburse medical costs for someone injured on your property who chooses not to sue.
Now that you know what goes into getting a homeowners insurance quote, get started with yours today. Call the number above or start online by filling in your ZIP code and year built in the form at the top of the page.