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Where to Get Cheap Homeowners Insurance

Author: Stacy Fox

Do you know where to get cheap homeowners insurance? Well, the internet has made it easy to comparison shop for house coverage.

Keep in mind that you want to do an "apples to apples" search. You will find many companies claiming to have the lowest prices, but each of them are including different criteria for the policies.

For instance, if you are a smoker, your rates are going to be higher than if no one in your household smoked. So, you will want to shop around with the smoking provision in mind. This may lead you to a different company than the non smoker would find best.

As you are shopping around, consider how much you want your deductible to be. The deductible is the amount you pay before the insurance kicks in. If you are able to afford $5000 out of your pocket, you will pay significantly less than if you have a $1000 deductible. Most companies have a minimum $500 deductible.

It may be worth your while to have a higher deductible, not just to lower your rates but to discourage you from filing small claims. If you file two or three claims in a year, the insurance company will drop you.

Once you've done your apples to apples comparisons, you then may want to consider other things which may affect you should you need to file a claim. These include customer service, prompt payment, and the financial stability of the company. Saving a few bucks a month may not be worth it if you have significant trouble when problems arise.

If you are wondering where to go to get cheap homeowners insurance, the first step is the web and from there you should do your research carefully to make sure you get the best all around (and not just price) deal.

Learn more about Cheap homeowners insurance at

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