Home Insurance

Home insurance is more than just a contract between you and your provider. It's also about protecting the place where you live, work, and play. To do that, we recommend 

considering these important aspects of home insurance.

Whether you're a homeowner or renter, if what's on the inside matters as much to you as what's on the outside then it's time to take a serious look at home insurance.  With rates varying widely from state to state and company to company, it can be difficult to find one that offers quality service at an affordable price for your needs in every area of coverage.

Have you ever wondered what your home is worth? If a hurricane or fire strikes, will you have enough coverage? Is your insurance company trustworthy? And most importantly, are your belongings protected? Whether you're planning to sell your home or live there for years to come, you'll want to know if the insurance provided by your carrier will protect it as well as its contents.

What You Should Know About Choosing Home Insurance

Whether you own or rent, there is more to protecting your home than buying a house and renter's insurance policy. That's why we've taken the time to look at some of the main aspects of buying a policy that will keep your family safe.

About Home Insurance

Your home is an investment that you'll want to protect. Just as you wouldn't leave your car or laptop in a car that's broken down on the side of the road, you should also never leave your home or belongings unprotected. That's why we recommend looking at home insurance to protect everything inside and around your house. There are plenty of ways to insulate yourself from personal injury, fire, theft, animal damage, and even water damage. If you're truly worried about losing everything in your home, it's important to know that there are policies available for people who need a lot of coverage for their home or belongings.

How Home Insurance Rates Vary

Home insurance rates vary greatly from one company to the next. If you're shopping around, it's important to make sure that the coverage you want will be offered at a rate that fits your budget. You should also consider how much coverage you'll need for different scenarios. If you have a high-end home that's automatically exempt from some insurance policies, be sure to investigate whether those excluded features have limitations on them.

What to Look For in Home Insurance

When shopping around for home insurance, it's important to find one with excellent customer service and product features that suit your needs in every category of coverage.

Most home insurance policies cover the following features:

Protection from personal injury and property damage caused by flooding, earthquakes, fire, theft, or other hazards.

Personal liability coverage if a guest is injured on your property.

Coverage for stolen valuables and additional living expenses if you are displaced because of a covered loss.

Coverage for structures such as buildings, fences, decks, and sheds on your property.  Some policies may also offer limited coverage for your detached or unattached garage or pool enclosure.  Other optional features include protection for your fences, railings, sidewalks, windows and glass doors; siding; and even landscaping items such as fountains or cactus plants.

What You Should Know about Home Insurance

Before you purchase a policy to protect your home, it's vital to know more about the coverage you'll need. The following are some important things to consider about home insurance.

Insurance for Your Home and Its Contents

Homeowner's or renter's insurance policies protect the structure and contents of a residence against damage from all natural disasters, death, fire, theft, total loss of your belongings that are covered by your homeowners or renters policy or by another insurance policy. You may also have policies specific to certain moving items such as pianos or gold jewelry.

Many homeowner's insurance policies are all inclusive and include coverage for personal articles such as furniture, clothing, and even pets in your home.

Liability Coverage

A homeowners or renters liability insurance policy can help protect you against lawsuits stemming from accidents to your home or its contents. If an accident occurs on your property and you're found to be at fault, this policy will help pay for the injured party's damages including medical bills and lost wages. The amount of coverage you have will depend on your policy limits which are set by the company who issues the policy.

Additional Living Expenses

Home insurance of a loss of your home from a fire or other covered disaster may also provide you with coverage for additional living expenses while you are temporarily displaced. This coverage will reimburse you for reasonable costs to live elsewhere while your home and belongings are being rebuilt. Depending on the policy, this could be provided up to a specified amount for an established time period.

Our Services at HomeInsurance.com

We've been providing quality service since 1999 when we first opened our doors online as one of the first comparison services available on the internet. We started out working with only a few select insurers, but today we work with dozens of companies to find our customers the best rates possible in every state where they live.

How to Get a Quote from HomeInsurance.com

Getting a quote is easy with our online system. Simply answer the questions in our questionnaire, and one of our experts will review your information to get you quotes from top carriers in your area. We work with all top rated companies to help you find the best policy for your budget and needs. Your information is never shared or sold to any company, meaning that you'll only get quotes for products that are right for you. And if you have any questions about the process, feel free to contact us directly at (800) 517-1545. We're available Monday through Friday between 8:00 am and 8:00 pm EST.

Having Insurance for Your Home

Want to stay protected for the next tornado, flood or hurricane? Getting insurance is important. There are many terms you need to know about when buying housing insurance. Here are some of the most important ones.

Coverage Amounts: Knowing how much coverage you need can be a big help in your decision on where to buy your home insurance from. The amount needed will depend on two main factors: the size of your house and how high your standard is set by an insurer. Most policies have a base amount that will cover virtually all damages, but then may have higher amounts if necessary in certain situations, such as flooding or a builder's error causing earthquake damage.

Conclusion: You'll want to get the best amount of coverage for your home. Do not rush into purchasing a policy with the first company you talk to, as you may be able to save money on your premiums by shopping around for different policies.

Coverage Limits: Coverage limits are always an important part of any insurance policy, and home insurance is no different. The limits set by an insurer will determine just how much they will pay out if your home or its contents are damaged in a covered disaster.

Conclusion: The higher the coverage limit, the lower the premiums will be. So when setting up coverage limits, it's important to find one that fits your budget and suits your needs while also protecting you in case of a major disaster.