| Thanks to the increasing numbers of hurricanes, | | | | should have. Most people get $100,000 to |
| storms, floods, tornadoes, and earthquakes in | | | | $300,000 worth of liability insurance. |
| recent years, home insurance rates have gone | | | | Go Shopping for Cheap Homeowners Insurance |
| through the roof. Here's how to get cheap | | | | Rates |
| homeowners insurance rates with a top company. | | | | Once you know how much insurance coverage |
| Decide How Much Insurance You Need | | | | you need, go to an insurance comparison website |
| Home insurance covers your home, your personal | | | | to get rate quotes from different insurance |
| property, and protects you from liability lawsuits. | | | | companies. To get your quotes you'll need to fill |
| To figure out how much coverage you need to | | | | out a simple form with your insurance information |
| protect your home, ask a local builder or real | | | | and the amount of insurance coverage you want. |
| estate agent what it would cost to replace your | | | | In order to get the cheapest rate, choose the |
| home in today's market. Use that amount for | | | | highest deductible you can afford, and request all |
| your home insurance coverage. | | | | the discounts you're eligible for as you fill out the |
| To figure out how much coverage you need to | | | | form. By raising your deductible from $250 to |
| protect your personal possessions, take an | | | | $1,000 you can save up to 25% on your |
| inventory of everything you own - furniture, | | | | insurance, and by getting all the discounts you're |
| appliances, stereos, TVs, sports equipment, tools, | | | | eligible for, you can save another !0% to 30%. |
| clothing, jewelry, linens, kitchen utensils, books, | | | | Most insurance comparison websites only deal |
| CDs, etc. Use the total value as the amount of | | | | with A-rated companies, so you know you'll be |
| your personal property coverage. | | | | getting quotes from reputable companies. The |
| To figure how much liability insurance you need to | | | | best comparison sites offer a chat feature so |
| protect yourself from a lawsuit if someone is | | | | you can talk online with an insurance expert who |
| injured on your property, add up all your assets - | | | | will answer all your home insurance questions and |
| checking accounts, savings accounts, certificates | | | | help you get the best homeowners insurance |
| of deposit, stocks, bonds, etc. - and use the total | | | | rate. (See link below. |
| as the least amount of liability coverage you | | | | |