Get Your Free Home Owner Insurance Quote and Start Saving Today!
It’s easy to get your free, no obligation homeowner’s insurance quote by filling in our online form. You’re just one click away from saving on your home owner’s insurance. Our service offers you comparison shopping with quotes from top rated companies, so you get the best plan for your needs at a price you can afford.
Complete one quick, secure form and compare rates from 100s of companies competing for your business. You won’t believe the savings!
Reasons for needing homeowner’s insurance:
Owners: Protects your house and personal property
Renters: Protects your furniture and personal property
Everybody: Protects against liability, i.e. accidents which injure other people/property.
When insuring your home, you should insure it for the full amount it would cost to rebuild if it got destroyed. You can insure the structure of your home three different ways.
Replacement Cost – The cost of replacing the property, no depreciation deductions, and limited to a maximum amount.
Guaranteed Replacement Cost: The same as replacement cost, but without a dollar limit. Not available in all states.
Actual Cash Value: An amount equal to the replacement value of the damaged property, minus an allowance for depreciation. If the policy doesn’t state your property is covered for replacement value, the coverage is only for cash value.
To estimate how much it would cost to rebuild your home multiply local building costs per square foot by the total square footage of your home. You may have to consult your local builder’s association or a real estate appraiser to ascertain this information.
Make sure you check the value of your homeowner’s insurance policy each year against rising local building costs. You can also add an Inflation Guard Clause to your policy.
For more tips on reducing your premiums, please download our free report below.
FREE REPORT
“Save On Your Homeowner’s Insurance”
Right click and choose the option “save target as” to save to your PC.
Click HERE to download. (PDF format)
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