Best Insurance Quotes Comparison Tool: Where Do You Even Start?

When you’re shopping for a home insurance policy, the process can seem overwhelming. There are so many different types of coverage and so many different agents that you’ll probably never even meet. To make things even more complicated, there are a number of factors you’ll need to consider before making a final decision on your home insurance provider. Things like the risk level of your home, your deductible, and your personal budget. To make things a little easier, we’ve created an insurance quotes comparison tool to help you find the best rates and coverage options. All you need to do is answer a few quick questions about your home and the coverage you need.  The best way to get started is to find out what kind of coverage is important to you. For example, you might need to protect your home against theft or natural disasters. The following sections will explain what you should be thinking about, as well as tips to help you choose the right home insurance provider for you.

Insurance Quotes Comparison


Contents Coverage

First, let’s talk about the most important part of any home insurance policy. And that’s the contents coverage. Foremost in your mind when shopping for home insurance coverage is the contents coverage. The contents coverage is the percentage of your home value that your insurance company is responsible for.  For example, if your house is worth $300,000, and your contents coverage is $100,000, then your insurance company will cover $200,000 of your property. If someone breaks into your house and breaks everything but your expensive furniture, your insurance company will cover the cost of replacing everything.

Flood Insurance

Flood insurance is important for any home that is located in a flood zone. And unfortunately, there are thousands of areas in the country that are flood zones. The amount you’ll have to pay out-of-pocket for flood coverage will depend on a few different factors, like your zip code and building materials. If you don’t have flood insurance, you’ll likely be on the hook for several thousand dollars in damages. In fact, a study by the National Flood Insurance Program found that homeowners with no flood insurance paid an average of $10,500 in damages after a flood.

Homeowner’s Insurance

Homeowner’s insurance is the most common type of home insurance and covers property damage and bodily injury. Up to a certain amount, you can get homeowner’s insurance for a very low rate. That’s great if you don’t have much money saved up, but you’ll have to pay higher premiums as your house gets older and more expensive. Homeowner’s insurance typically doesn’t cover theft as much as it does damage. But if someone breaks into your home and steals your items, homeowner’s insurance will cover them.

Backup Power and Surge Protection

If you have a backup generator and surge protector, you may not need backup power. Most home insurance providers will include backup power as a standard feature, so you may not need it. However, if you’re interested in adding additional coverage, you may want to consider backup power as part of your home insurance. It can provide peace of mind when there’s a blackout or power outage, protecting your most important electronic devices.

Van and Auto Coverage

If you use a vehicle when delivering food, driving kids to school, or doing deliveries, you may want van insurance. It will cover your vehicle in the event of a collision or theft. It’s important to note that your home insurance company won’t provide van insurance. You’ll have to buy it separately. Auto coverage protects you if your car is stolen or damaged by a collision. It also covers liability if you’re at-fault in a car accident.

Other Types of Coverage

Home insurance coverage isn’t limited to just the items above. There are other types of coverage you may want to consider, like earthquake coverage.  Other coverage types include flood damage protection, building maintenance, and condo/co-op coverage.

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