If you’ve read one home and auto insurance policy, you’ve read ‘em all. Right? Wrong. This is one of the reasons everyone’s always harping on you to pay close attention to the details of your insurance policies. A willingness to compare home insurance quotes rather than just going with the first one that sounds good can save you a bundle, especially if you pay attention to two big rules in home insurance shopping.
Rule Number One: Size doesn’t matter. Yeah, it’s a cliche but in this case it actually fits. Don’t automatically assume that the bigger the insurance provider, the greater your chances at scoring a killer deal. Likewise, you shouldn’t assume that just because an insurance provider is enormous, they’ll charge you more for name recognition. Ignore name brands and focus on the details.
Rule Number Two: Finding a good insurance company or broker isn’t a crapshoot. It’s only ever a crapshoot if you don’t commit yourself to shopping around before making the decision about who to work with. A big part of shopping around centers on using online tools to compare home insurance quotes and getting an accurate ballpark figure of what you’ll expect to pay. Once you’ve done this and are comfortable that you’ve found an insurer capable of giving you the best deal, the rest should come easily.