Try a free database such as InsWeb, which offers quotes from up to 8 insurers, or Quicken InsureMarket, which provides up to 16 quotes. The larger the database, the better. ... More
Just as there are different home styles, insurers offer a menu of different policies. For the majority of single-family homeowners, the most appropriate policy is the HO-3, sometimes called the special policy (in Texas, for some reason, it's known as the HO-B). It insures all major perils, except flood, earthquake, war, and nuclear accident. ... More
To an insurer, you're not a person; you're a set of risks. An insurer bases its premium (or its decision to insure you at all) on your "risk factors," including your occupation, who you are, what you own, and how you live. ... More
At one time, getting home insurance was as hard as getting the home. You had to call up various
insurance salesmen and get a quote from each one personally. Not anymore – with the internet you
can get on a single website and get the quotes ... More
Home insurance should be part of your checklist even before you are buying your house – it is as
important as the purchase itself. There are various factors that go into home insurance. The types of
covers you will take will depend on your requirements. ... More
Your home is perhaps the costliest single purchase you will ever make. Unless you are going to buy a Picasso or a Renoir, let’s face it, you are not going to put all your eggs in the same basket as you will do with buying a house. ... More
