How to Choose the Right Homeowner’s Insurance Policy

  • By interactive
  • 05 Jan, 2018
Homeowner's Insurance Policy - Winters Insurance - Quincy IL

Whether you are buying a new home and need to reconsider your home insurance or just are looking for a way to save some money on a better policy in your current home, Winters Insurance can give you access to a number of different options in order to find you the best coverage and premiums for your home and budget.

Five Tips for Choosing the Right Homeowner’s Policy

When looking into a new homeowner’s insurance policy, there are a number of important things to consider, including the following:

#1 Get Some Quotes & Compare

The first step is just having someone here at Winters Insurance Group collect some quotes for you in an attempt to compare apples to apples, as it were. Seeing the different types of coverage and policy details is the best way to determine which of those options is going to work best for your situation, and since there are so many different insurance companies out there vying for your business, it can be fascinating to see just how much the options differ.

#2 Seriously Consider Only Trusted Companies

Of course, sometimes those companies with the best prices are not necessarily the most reputable organizations, so go online to sift through some third-party ratings of various insurers to determine which of them can be trusted to pay their obligations to their insured customers with the least amount of hassle. Few things are more frustrating than a bad insurance company, so narrow your choices down to just those companies with stellar reputations.

#3 Location Matters

If you are thinking about buying a new home and that is the reason for looking into new homeowner’s insurance, remember that the location of your home matters quite a bit. Find out if you are in an area that is especially prone to natural disasters to make sure everything is covered, and know that premiums are generally lower for houses that are closer to fire stations.

#4 Ask About Discounts

Many insurance companies actually offer some impressive discounts that can be applied for any of a number of reasons. Some places will knock money off if you package your homeowner’s policy with auto insurance, for example. Others give discounts if the roof is new or if you install a home security system or a sump pump. Others have discounts just for being a first-time homebuyer, while others knock off money for people with especially high credit scores. There are so many ways to save money on home policies, so let us know what you’re looking for and we can see what kind of discount we can offer.

#5 Consider Deductibles

Deciding on a deductible is the most challenging part of picking a homeowner’s policy because the higher that deductible is, the more affordable the policy is going to be. Finding a middle ground and determining what you would be able to pay should something ever happen is important in choosing a policy. For some people, lower deductibles are worth the extra cost in monthly premiums.

If you need any help choosing a homeowner’s insurance policy, just give us a call here at Winters Insurance Group and we will help you find the policy that works best for you and your family, whether you’re buying a new home or looking to save some money in your current home.

Winters Insurance Blog

By interactive 05 Jan, 2018

Whether you are buying a new home and need to reconsider your home insurance or just are looking for a way to save some money on a better policy in your current home, Winters Insurance can give you access to a number of different options in order to find you the best coverage and premiums for your home and budget.

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