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Where to Find Cheap Home Insurance

Where do you go to find cheap home insurance? Home insurance is a necessity to guard against potentially catastrophic damages resulting from personal injury and property loss occurring within your home. You absolutely need it. But you don't want to pay too much for it. 

As for so many other things, look to the Internet. A quick search will result in multitudes of competitive quotes and plan options. Check out these sites to begin your search:,,, and But beware! You get what you pay for. Cheap is not always the way to go.

Know Your Needs

Do you own or are you renting? Do you want protection for your possessions both inside and outside your home/condo/apartment? Do you want to insure your home against storms, theft, fire, and the individuals in it against personal injury? 

Carefully consider your special needs and situation. Coverage varies in every state. Take into account the particular area of the country in which you live, its prevailing weather conditions and propensity for natural disasters such as floods, earthquakes, hurricanes, and wildfires.

Internet Search

An Internet search will lead you to various sites where you can fill out a simple form, often asking for no more than your zip code that will provide you with free competitive quotes from established companies such as Allstate, American Family, Farmers, Liberty Mutual, Nationwide, Progressive, Safeco, State Farm, Travelers, and others. 

It’s always a good idea to request a phone number and speak to an insurance agent directly. When on the phone, clarify your specific needs. There are many different policies out there, and you don't want to end up paying for something you don't need or not getting all the protection you require.

Homeowner's or Home Insurance

Homeowner's Insurance or Home Insurance protects the actual structure of your home and the land on which it rests. Homeowner's insurance covers you in case of damage to your home or property or personal injury to your guests. 

It also insures the assets in your home and protects you against events for which you may be held liable, such as injuring another person or causing damage to their property. Consider the replacement value of your home, its age, and the total value of your belongings when determining your insurance needs.

By purchasing additional coverage, you may receive an increase in limits for having renovated your property or for owning art or jewelry collections you'd like to protect. Some home insurance policies protect you from financial loss caused by water damage, fire, and theft, or can provide this protection at additional cost.

Condo Insurance

If you own a condominium or co-op, you and your condo or co-op association are responsible for protecting its contents against unexpected events. Condo insurance protects your personal property against such hazards as fire, theft, vandalism, explosion, and windstorms. 

Coverage extends to damage to your personal belongings, whether in your home or elsewhere; damage to your appliances, clothing, furniture, and other personal items. Condo insurance will also cover your personal liability should someone be accidentally injured or have their property damaged by you, your children or pets while in your condo or co-op.

Renter's Insurance

Renter's insurance protects the personal property inside a rented or sublet property from loss and damage. It also protects this personal property against destruction by unforeseen circumstances such as fire, theft, and water damage. 

Having renter's insurance will allow you to replace valuable personal property such as your jewelry, TV, stereo, iPod, computer, laptop, or DVD player that has been stolen or vandalized. Renter's insurance will also protect you from damages resulting from litigation should a guest in your rented property be injured.

Sign Only What You Understand

Never sign a contract without completely understanding it. Never sign on that has empty spaces in it.

Demand to See a License

When working with contractors, use only those that are licensed and insured.

Go Green

Some insurance companies award discounts and lower prices to environmentally conscious clients. Energy-efficient homes entice money-saving options. Why? Because, strange as it may seem, studies show that policyholders who conserve energy are less likely to file insurance claims.

Know Where the Water Comes From

Most standard home and renter's insurance policies will cover damage resulting from water that comes from above. This includes rain and hail damage, burst pipes, ceiling leaks, and melting ice. 

However, standard policies will not cover damage that comes from water rising from the bottom up. Flood water, sewer backups, even heavy rain that fills your basement will require extra insurance riders. So, be smart. Ask questions and know what you're paying for.

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