Just as there’s no universal “best home insurance policy,” there’s no universal “best home insurance rate.” Sure, it’d be great if we all paid, oh, $50 a year for home insurance but that’s just not going to happen. Especially since coverage can vary so much from policy to policy. So, you should set out to find the next best thing. That’s the best home insurance rate for the exact coverage you need.
Begin by evaluating the coverage you need. Is your home new or old? Do you want to cover everything, or just your valuable jewels? Do you have a homeowner’s association that requires you to purchase a certain amount of coverage? What about a lender? It makes sense to have at least a slight idea of what you’re looking for before you begin looking.
Next, search for home insurance companies that offer the coverage you need. Even though searching online is quick and easy, it’s still beneficial to talk with family members, friends, and especially talk to your local insurance broker. Your insurance broker will be knowledgeable and find more details about the kind of coverage offered by each company and what kind of home insurance rate you’ll be looking at based on your coverage needs.
Once you find an insurance company that offers the home coverage you need and seems to offer it at a home insurance rate you can live with, it’s time to ask if there are any discounts your are eligible for, e.g. being a teacher, veteran, etc.
Getting the best home insurance rate does not mean getting the cheapest rate; it means getting the rate you’re willing to pay for the home coverage that best fits your needs. Call your Insurance Broker today! Sherzer Insurance 386.788.3500