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Question DetailsAsked on 10/1/2012

What do I need to consider when shopping for home insurance?

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2 Answers

Voted Best Answer

Consider going to library an reading Consumer Reports rating on home insurance companies in your area. For affordabilty elect the highest deductable you can stomach. This will lower your premioum, I went thru Costco, they and Sam's Club can be a valuable resource for home and car insurance. Shop on line with your needs to save money. Unless you have major assets forget large policy. For your gutter and roofing needs see my blog.
Jim Casper


Answered 7 years ago by jccasper


Make sure that you ask the Agent if they have any clients that have had any claims, if so, ask how the customers experience with the Carrier was. Make sure that the Agent includes all possible coverages that you may need. If the Home is not a new home, you will want to make sure that the coverage includes Ordinance or Law Coverage, this will pay for any items that were damaged by a covered peril, that is needed to bring your home up to current building code.

ALE/Fair Rental Value - this covers if you are unable to live in the home, after a covered peril/damage that is extensive, can keep you out of the home for as much as a year.

A good agent should be able to help you with the right Carrier and the right coverages.

But, you will never know how the Carrier is until you actually have a Claim, so it is not much more than a roll of the dice, with the hopes that in the event of a loss, you get a Carrier that does what the contract says it should do.

Good Luck !!!

Answered 7 years ago by psb002


Hi there.

You've come to a great place to get Answers.

Check out a story we published a few years back that has some good information about factors you should consider. I've included it below.

You can also check out our story on ways to save on homeowners insurance by clicking here.


Answered 7 years ago by HughV

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