How to Compare Homeowners Insurance to Get the Best Rate

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You can further save money on your insurance by raising your deductible to an amount you can afford, and requesting all the discounts you’re eligible for.

The better comparison sites only affiliate with A-rated companies so you know you’ll be getting the best rate with a reliable company. The better sites also offer a free online chat service so you can get answers to your insurance questions from an insurance expert. (See link below.)

The cost for homeowners insurance can vary by hundreds, even thousands of dollars from one company to another for the same coverage, so it definitely pays to spend a few minutes comparing rates.

Compare Homeowners Insurance Companies

In addition to getting the best insurance rate, you want to get it from a reliable company. Fortunately, the Internet has websites where you can compare homeowners insurance companies. Two of the best are:

* A.M. Best (ambest.com) – This company rates insurance companies based on their financial strength and their operating performance. Ratings range from A++ (superior) to C- (weak). I recommend you purchase your insurance from a company with a B+ rating or higher.

* Your state’s department of insurance website – All states maintain a department of insurance website, and most states provide a wealth of consumer information such as how to buy the right insurance and which companies