Nov 12 2017

2015 Homeowners Insurance Quotes. #auto #shipping #quotes

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Get Home Insurance Quotes in Your State

Homeowners insurance quotes can vary wildly depending on where you live and from company to company. Do not only get one quote before you purchase a home insurance policy. There can be thousands of dollars difference between insurance companies for the exact same coverage.

We recommend that you get personalized quotes from at least 3 of the companies below in your area to make sure you are getting a great rate.

What Factors Impact Homeowners Insurance Quotes and Premiums?

Home Type

The type of the home being insured will directly impact the cost of the homeowners policy. Companies that offer online home insurance quotes will typically allow homeowners to select from a list of home types that includes rambler, ranch, raised ranch, one-story, two-story, Colonial, Cape Cod, Victorian, and many others. The material used in construction, like brick or stone, as well as the size will also be considered in the home insurance price.

Home Age

The age of the home will be an important factor when determining the cost of a home insurance quote. Older homes may be more susceptible to problems with aging plumbing and electrical systems, which can be costly to repair. An aging roof may also be problematic and will likely play a role in the overall cost of the policy. Some home insurance companies will offer an age of construction discount, reducing the home insurance premium for homes built before a specified year. Newly purchased and newly renovated homes are also often eligible for home insurance discounts. The age of the homeowner will also play a role in the cost of the premium, with some homeowners insurance companies even offering a discount for relatively elderly policyholders.

Home Location

The location of the home is a fundamental factor in the cost of the home insurance policy. The probability of major perils like hurricanes, tornadoes, floods, mudslides, wildfires, and other natural disasters is often directly correlated with the geographic location of the home. Consequently, the state where the home is located will play a major role in the home insurance quote. Proximity to the local fire department and fire hydrants are also often considered in policy pricing.

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