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