Get Online Home Insurance Quotes

Whether you are purchasing a new home and need a new home insurance policy or are looking to save money on existing homeowners insurance coverage - we are here to help. There are several companies that offer health insurance in your area, and this is a good thing for you. Having multiple options means there is one out there that is probably perfect for you.

In order to find your perfect home insurance plan, and to ensure that you are getting the absolute best deal on it, you will want to compare multiple home insurance quotes. To do this, simply enter your zip code up above next to the lady. You will then be presented with a list of health insurance providers in your area. From here, select a few options and compare their overall offerings.
A home insurance quote is the amount or rate that is provided to by an insurance company or insurance agent to insure your home.

The home insurance quote is determined by a variety of factors and can vary from home to home. It reflects the amount of risk an insurer is prepared to accept. If the insurance company deems that your home is a higher risk to insure, you will be quoted for a higher premium. It also depends on the type of home insurance policy that you intend to purchase.

There are a several factors that can affect how much you will be quoted for a home insurance premium. The most important factors that impact a home insurance quote include:
  • The age of the home
  • The type and design of the home
  • The material used in the construction of the home
  • The square footage of the home
  • The location of the home
  • The results of any home inspection performed
  • Availability of fire protection services
  • Your deductible
The type of home being insured can most certainly have an impact on the quote you receive as there are several different types of homes such as manufactured homes, mobile and modular homes, and large homes versus smaller homes. Manufactured homes tend to be anchored better than mobile or modular homes. They are also built of better materials so they are more resistant to wind damage and may be more fire resistant than modular or mobile homes.

Smaller homes tend to be cheaper to insure than larger homes simply because the value of a larger home is more expensive to replace.

The location of your home can also impact the amount you are quoted for your policy. Some homes are affected by the market value as some homes in certain urban regions can have much higher market values than similar homes in smaller towns or rural areas. Homes built in high crime areas may also be impacted.

Also, it might depend on the risk assessment for your area as some areas may be more prone to natural disasters such those located in “tornado alley” in the Midwest region, or earthquakes as some homes are built on fault lines. Other homes may be more expose to hurricanes and tidal surges or could be built in what is designated as a flood plain.

The age of your home may also be considered in a home insurance quote. Many older homes may not be up to local building codes and may have unsafe wiring, poor plumbing or may contain unsafe building materials such asbestos, lead or other materials. Older homes may also have structural issues such as buckling in the foundation or an older roof which is prone to leakage and the inception of mold.

There are a number of factors that might cause your home insurance quote to be higher but the main factors that impact costs include:
  • The type of home you own
  • The year the home was constructed
  • The building materials used to construct the home
  • The age of your roof
  • Quality of electrical and plumbing
  • Where your home is located
  • Whether there are natural environmental risks that can cause damage to the home
  • The ability of fire services to access your home should a fire occur
  • The type of policy you choose to purchase such as a comprehensive policy versus a broad form coverage or special form coverage. Some policies also allow you to choose between replacement cost versus market value
  • The deductible you choose as a higher deductible will reduce your quote while a lower deductible will increased the amount
  • Increasing the amounts of liability coverage or purchasing additional insurance riders for coverage above and beyond your policy.
  • The existence of security features
  • Whether you have outbuildings or a swimming pool