Getting the cheapest best home owner insurance is simply the right move for anyone shopping for a policy.
First, you determine what's best for you and then you go about shopping for where to get it at the cheapest rate.
The following tips will help you get it...
I assume you've already found out what's best for you and that you also understand that you must subtract the cost of the land your home stands upon when choosing a limit.
So if you've done this here are the next steps...
1.
Ask friends and acquaintances about their experiences with different insurance companies.
If they rave about their agent and insurer, then you have good candidates to consider.
2.
Visit your state's department of insurance and make a list of insurance companies that have a rating of A and above.
You'll need to get quotes from all of them.
3.
Get and compare quotes from as many quotes sites as possible.
Cross out companies on your list in (2).
Shortlist the best five offers.
4.
You'll now need to check these insurer's ratings across different independent resources.
Use the Better Business Bureau, A.
M Best Company, Phelps, Inc.
, Standard & Poor's Insurance Rating Services, Moody's Investor Services, Inc.
and more.
These will help you determine how solid each of your short-listed insurers is.
Don't make the mistake of ever buying a policy from an insurer who has a rating that's less than A.
If you do this and other recommendations in this article you'll get the cheapest and best home owner insurance carrier for your profile and needs.