You can't really get the most affordable homeowners' insurance rate for your needs and coverage if you don't have the right information.
Knowledge truly is power and also translates to considerable savings.
To help you ensure you get the right information to work with make sure you do the following...
1.
A CLUE (comprehensive Loss Underwriting Exchange) report is essential for every home buyer.
It will help you avoid costly mistakes that would cost you much in home insurance.
Living in a town were there is only a volunteer fire service, for example, will definitely mean you'll pay higher rates.
How far away the nearest police station, fire station and fire hydrant are will also determine how much you'll pay.
Therefore, ensure you do NOT buy a home until you've gone through this report.
The little savings you made on a home purchase might pale in significance to the premiums you'll pay over the years.
2.
You might be surprised to hear that you might not know half the discounts that are available to you.
Knowledge is the first step to getting what you're entitled to.
Sit your agent down and demand that they tell you about all discounts that your insurer offers and how you can qualify.
There are many discounts that insurers don't really advertise.
3.
Get and compare quotes from five or more quotes sites.
This will help you find the best quotes for your profile thereby making it easy for you to do very thorough comparison.
And, don't forget, you can only compare things you are aware of.
Therefore, do your utmost to ensure you get very many quotes from a wide range of insurers.
This could help you save thousands in premium dollars over a few years.