How to Get Home Insurance Quotes Online

The amount of money that you spend on your homeowners insurance can vary by a few hundred dollars or more depending entirely upon the kind of company you do business with, the policy that you invest in, and a whole host of other factors that are often under your control.

Getting a home insurance quote from different companies online is easy if you know where to look. You’ll want to do everything you can to reduce the cost of your home insurance without cutting corners or compromising the coverage and protection it affords. Here are some tips and tricks according to to help you do exactly that.

Price shop at least five different companies

The first thing you’ll want to do when conducting a home insurance comparison is to find five different companies that you are thinking about doing business with and then price shop each and every one of them.

Make sure that the plans you are comparing are similar in coverage and service, make sure that all plans have the same discounts and deals outlined, and really trying to do your best to compare apples to apples as best you are able to.

Boost your deductibles

It’s really easy to see just how much money you are able to save on any one particular insurance plan to find affordable home insurance just by bumping up the total of your deductible.

Reports suggest that by increasing your deductible to $500 versus $200 can increase your monthly premium savings by between 15% and 30%. Boost that deductible off to $1000 and you can save 40% or more.

There’s a lot of money to be saved by increasing your deductible, and if you create an emergency savings account that you fund with your monthly premium savings you should be able to cover that deductible – no matter how high it is – without any real difficulty.

Look to protect your home from rebuilding coverage versus market coverage

Sure, you will likely be paid a lot more from your insurance company if you decide to go with market value coverage versus rebuilding coverage. That’s only the case if the real estate market is favorable to you when you actually need to take advantage of your policy.

If you tried to take advantage of your policy when the real estate market is in a downturn (especially a disastrous one like in the middle of 2008) you’ll likely end up taking a real bath financially and be stuck without a home the same time. Always trying to go with rebuilding coverage versus market coverage unless you get specific advice to the contrary.

Now that you know these tips and tricks, head on over to and get your online home insurance quote today.