| Insurance rates can vary by hundreds of dollars | | | | evaluate not just the premium each company |
| from one company to another, even for the | | | | offers, but also the company itself. After all, you |
| exact same coverage. So if you haven’t | | | | want to select a company that's financially sound |
| compared prices on your insurance, you're | | | | and that will offer you good customer service. |
| probably paying too much. | | | | To check the financial rating of a company, you |
| How to Compare Rates | | | | can go to the website for Standard and |
| The easiest way to compare rates for your | | | | Poor’s (standardandpoors.com), or A.M. Best |
| homeowners insurance is to go to an insurance | | | | (ambest.com). |
| comparison website and let it do all the hard work | | | | You can also check on your state’s |
| for you. | | | | department of insurance website to ensure that |
| All you have to do is type in some basic | | | | the company is legally able to sell insurance in |
| information about your home and insurance | | | | your state and to see if any complaints have |
| needs, such as ... | | | | been lodged against them by unhappy customers. |
| * The year your home was built | | | | Once you take these steps you'll know that |
| * The type of construction materials used in your | | | | you're getting the best insurance rate with a |
| home, including your roof | | | | company that will pay your claims on time and will |
| * The amount of coverage you want for your | | | | give you good customer service. |
| home and personal property | | | | Where to Get the Best Rates |
| * Any safety features in your home, such as | | | | Click on the following link to get homeowners |
| smoke detectors, fire extinguishers, and deadbolt | | | | insurance comparisons from top-rated companies |
| locks | | | | and see how much you can save. You can get |
| * The deductible amount you want | | | | more tips and advice in their Articles section, and |
| Once you fill out all this information on the website | | | | get answers to your questions from an insurance |
| and submit it, you'll begin to receive quotes from | | | | expert by using their online chat service. |
| top-rated insurance companies that can match | | | | Link: |
| your needs. | | | | The authors, Brian Stevens and Stacey |
| You'll be able to review the quotes at your leisure | | | | Schifferdecker, have spent 30 years in the |
| and choose to buy from the company that offers | | | | insurance industry, and have written numerous |
| you the best combination of cost and coverages. | | | | articles on getting the best homeowners insurance |
| How to Compare Companies | | | | rates. |
| As you review your quotes, you need to | | | | |