How to Shop for Homeowners Insurance
- 1). Visit the websites of reputable insurance companies that underwrite homeowners policies, such as State Farm, Farmers and Allstate (see the Resources section). Use the web tools to obtain insurance quotes from several companies to have an idea of which ones offer the best rates in your area.
- 2). Check for consumer complaints about insurance companies and agencies that you are considering by looking them up on the Better Business Bureau (BBB) website and with the state department of insurance (see the Resources section), advises the Pueblo, Colorado, Federal Citizen Information Center. Avoid companies and agencies that have multiple complaints registered against them.
- 3). Compare home insurance quotes, line for line, to see exactly what each policy covers and for what amount. Check the deductible listed as well.
- 4). Look for ways to receive discounts on your home insurance policy. Select a higher deductible and insure your vehicles with the same company. Upgrade your property to improve security and safeguard against damages with locks, lighting and alarms, as well as current electrical wiring and plumbing, suggests the Pueblo, Colorado, Federal Citizen Information Center.