Make sure that you’re shopping at a large and unbiased site that will pitch all your information to the companies you already know and trust. InsWeb.com will swing you big savings in a single shot by providing you online quotes from multiple providers, free.

You shop, compare, save. That's a great start.

But if you want to hit a home run on insurance rate quotes – before you go out and shop, first you need to cover all your bases.

First

How much insurance do you need to make sure you’re safe?
In order to get the cheapest home insurance possible without winding up with an “underinsured” foul, you need to know what you’ve got.

• Determine what it would cost to rebuild your house. Don’t factor in the cost of the dirt around and beneath home base – just the structure itself.
• Take a home inventory and see if you have any particular items that need extra coverage.Do you keep any extra valuable items in the home that exceed the limits set in your policy?
• Consider your property’s liability. Do you have a pool or any other extra-risky features that would require you to get an add-on policy or will a standard policy offer enough protection?

Second

House insurance companies like to keep it safe. Strike out that risk level and get lower rates!

Even if risk factors like your location and the building materials your home is made out of aren’t negotiable – many companies will still reward you with discounts for taking the initiative to reduce the risk of a disaster or burglary.

3 Quick Plays to Save:

• Install smoke detectors
• Get an alarm system
• Put deadbolt locks on your doors

Also be sure to mention if you’re a non-smoker, retired, or belong to any groups of associations as these things may also qualify you for additional low-risk discounts.

Third:

Decide on deductibles – how high can you go?

No matter how much coverage you buy and whether or not you score any discounts – you’ve got a curve ball in your pocket with deductibles.

Homeowners Insurance Quotes

Ready? Hit a Home Run on Insurance Rates!

Once you’ve covered all your bases – get out there and score big savings by shopping around for home insurance quotes.

Not all home insurance companies are equal when it comes to factoring your rate. Some will offer more discounts, others will have better prices to start with– so be sure to get several quotes before you sign on the dotted line.

Check out a big, unbiased website for homeowners insurance quotes like insurancerates.com that will swing your information over to all the companies you know and trust in a single pitch.