Your home is likely your largest financial investment, and an instant homeowner’s insurance quote may be the right solution to keeping it safe. As an added bonus, comparison price shopping can save you a lot of money.
Importance of Constant Homeowner’s Insurance
Disasters happen. Hurricanes, tornados, and earthquakes are unavoidable, and even with the best planning, they can mean complete ruination of your home and its content. If that isn’t bad enough, accidents happen. Wiring becomes faulty over time, pipes burst and cause water damage, people trip and fall on your property, and in each of these instances, you will be responsible for the repairs. These repairs are costly and could lead to losing your home if you are not adequately insured.
Instant Homeowner’s Insurance Quote Sources
- Geico provides quotes from their company plus other nationally known companies. They offer the added convenience of saving your quote and pulling it up again later.
- Insure.com provides side-by-side quote comparisons from more than 200 companies.
- Progressive may be best known for their side-by-side auto insurance quotes, but they also offer homeowner’s policies.
- NetQuote will provide you with up to five quotes within minutes. Just fill out one form and get a quote from major insurance companies such as:
- Allstate Insurance
- Nationwide
- Amica
- Farmers
- Liberty Mutual
- American Family Insurance
- QuoteScout provides up to six online homeowner’s insurance quotes. This website states it searches for quotes from over 400 insurance companies, such as:
- Farmers Insurance Group
- Allstate
- Nationwide
- AIG
- Esurance
- FreeHomeInsQuotes.com offers up to four free quotes within four minutes from the following companies:
- Chubb Personal Insurance
- Homeowners Choice Insurance
- Universal Insurance Holdings
- Western Mutual Insurance
Be Prepared
While most people can readily provide their name and address, some of the information required for an instant homeowner’s insurance quote may require a bit of research. Be ready to provide the following:
- How much residence and liability coverage you want
- Desired deductible
- Year the property was built
- Square footage
- Current insurance company and how long you’ve been with them
- The type of roof, garage, wiring, alarm system, heating system, and foundation you have
- How old is the roof
- Do you have smoke detectors and fire extinguishers in the home
- Distance from the nearest fire station
- Is the property in a flood zone
- Property accessories, such as dead bolts, air conditioning, swimming pool, smoke detectors, and trampoline
You can find most of this information on your existing homeowner’s insurance policy, so have it handy.
Proceed with Caution
Proceed with caution when dealing with websites that offer free rate quotes. Make sure and read the text carefully. Some websites that show up in random searches do not actually offer instant quotes; rather they collect your data and pass it on to local insurance agents who then contact you later with the quote. What you had hoped would be a quick fix might turn into repeated solicitation calls and emails as these agents try to gain your business.
If you are not familiar with the companies that you get quotes from, make sure to check them out with the Better Business Bureau and check for adequate contact information, both online and off. While the majority of online quotes are from legitimate businesses, it is better to be safe and know whom you are dealing with.
Instant Quote Final Thoughts
Shopping for instant online homeowner’s insurance quotes can provide you with three distinct advantages to contacting individual agents.
- Convenient, fast answers to your insurance pricing concerns.
- You are assured that you’ve provided all companies the same information, thereby getting a more apples-to-apples quote. In other words, you know that the specifics of each policy should be comparable.
- Rest assured you are getting the best rate for the coverage you need.
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