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Just by doing some comparison shopping, you could save hundreds.
This is a pretty easy thing to do.
Here is some information to help make it even easier.
Find places to get quotes.
You can pick up the phone book and call agents or companies in your area.
Or go online.
The department of insurance Web site for your state may have listings of companies, and even premium comparisons for your area.
Many people find it convenient to visit a comparison Web site.
These sites allow you to enter your information in an online form once, then you'll get several quotes back from insurers and agencies that cover homes in your area.
(It's recommended that you get at least three quotes for comparison.
) If you contact individual companies, make sure to provide the same information to each for an accurate comparison.
Organize some information.
Before you start getting quotes, it's helpful to have some information handy.
This is the information an agent or company needs to base your quote on.
You should be prepared to provide: 1) A description of your house, including the age and square footage.
2) What your house is made of, such as wood, brick, stucco, etc.
3) Number of stories and rooms.
4) Distance from the nearest fire department and fire hydrant.
5) Any security devices you have such as burglar or fire alarms.
6) The amount of coverage you think you need (no need to include the value of your land).
7) The deductibles you want (the higher your deductible, the lower your premium).
If you currently have a homeowners insurance policy, have this in front of you.
Coverage for personal possessions is often a percentage of your total policy coverage.
If you have special high-value items, such as jewelry, you'll want to mention that.
You may need additional coverage riders.
Also, once you get quotes, ask about available discounts.
For example, you could save 5 percent or more just by insuring your home and vehicles with the same company.
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