You can now get a home insurance quote online quickly, but make sure you are getting it from a listed comparison website.
A listed website is a site that has one or more of the following: it has been accredited by the Best Business Bureau, has been included in Top Ten lists, has been reviewed in recognized websites, has high rankings in Alexa or other traffic analysis systems or has been rated high in consumer surveys.
It is important that you choose a reputable comparison website to ensure you are getting the right and updated data from a recognized and stable home insurance company. Good comparison sites represent reputable insurance companies.
If you are new to the house insurance industry, here are some of the insurance firms usually mentioned in top-ten lists or consumer surveys in random order: Allstate, State Farm, Progressive, Hartford, Geico, Amica, Alfa, Nationwide, Farmers, Cincinnati and American Family.
If a number of these firms are represented by the comparison site, then the comparison website is more likely to be reputable.
There are also comparison sites that require you to provide your email address, including detailed information about your house, before they give you a home insurance quote, so this is another reason to make sure you are dealing with a BBB-accredited site.
If you want just an estimate of a standard home insurance, there are sites that need only two pieces of information: your zip code and the year your house was built.
After getting the best insurance quote from a comparison site, you can also check the rate given to you by visiting the website of the insurance firm recommended. Insurance company websites give more specific information as to how they can reduce your rates or how they give you price discounts in ways different from other insurance firms.
According to insurance experts, do not rely too much on company loyalty for discounts. They say that among the best ways to get discounts is increasing the deductibles. However, increase your deductibles only to a point affordable to you in case you have to make a claim.
Remember also that insurance rates are higher in coastal areas and in fire-prone areas and that some companies do not operate in certain states or areas of the country.
On the whole, make sure that the home insurance quote you are getting is for an insurance policy that covers most or all housing risks in your area.