Compare Home Insurance

Compare home and contents insurance quotes: Fastest way to compare home and contents insurance quotes?

Question: My home and contents insurance has gotten so expensive. I have never filed a claim and my home insurance rate has doubled. I dread the thought of spending a week getting quotes. Is there a easy way to get and compare home and contents insurance quotes?

Answer: Unfortunately, the best way to get realistic quotes for any insurance is to call the comapnies directly. If you have not shopped around in the last five years or so, you might want to consider it, as this can help you stay with the lowest total cost.

is there wesites like expedia, travelocity,priceline that compare car insurance and home insurance?

Question: please provide the websites if you know of any thanks

Answer: I've found that there are a ton of websites that claim to do this but they really don't. One service called eSurnace.com claims to have the lowest rates but every single plan that they were pitching cost much more than if you just bought it from the company directly. A much better way of going about this is checking with ratings sites such as Standard and Poors and AM Best. Then pick a company with an A rating or higher. Remember that services are usually cheap for a reason. Focus on value instead.

Why is it so hard to compare home/fire insurance rates?

Question: I've asked this question here and elsewhere before but have never received a single solitary answer (except spam). Why is it so hard to find a site or get a response from someone saying--"yea I compared about 5 insurance rates and the cheapest was ABC Insurance". You would think tens of thousands of people have the same question. (Auto and Life insurance comparisons are a dime a dozen so why not home/fire insurance--is there a conspiracy?!.) Surely at least one person has actually done a price comparison of homeowners insurance and shared the results! Why then is this info so impossible to find anywhere? Thx.

Answer: Well, because not all insurance companies write in all states. And, if you're in Akron, have a 10 year old brick house with $200,000 cost to rebuild, the company that's probably going to be cheapest for you, would NOT be cheapest on a 50 year old frame house in Medina that costs $200,000 to rebuild. The company that's cheaper for someone with a lower credit score, might not be cheaper for houses valued under $150,000. Here are the rating factors, besides insurance limit, that influence pricing the most: Claims history - both yours and the house Protection class Age of the house Types of Updates Construction Type of the house Credit Score ANY ONE of these factors, can skew the "best rate" from one company to another, or a third. Each company choose it's OWN "target market" - the kinds of houses they WANT to write, and then price their policies accordingly. So, you CANNOT get an answer that's valid for everyone. Just like, what size jeans do I need? Just because one size fits YOU best, doesn't mean it will fit me AT ALL. There is no short cut. To find the cheapest for you, you have to shop around. SOME state insurance websites, will give you a 'generic' price comparison - but those prices are subject to underwriting, and when you CALL for those prices, you'll likely find that they are for a condition that you DON'T have with your particular house. And, FYI, all those online comparison websites, they harvest your personal information to sell to agents as leads. Even the auto/life ones. Their numbers aren't accurate, either.

I need to figure the cost to rebuild my home in Southern California to compare to the insurance estimate.?

Question: If you've rebuilt in a nice suburban area, customized, upgraded but not extravagant recently, what was your cost per sq. ft? If not, do you know how I'd find this out? Thanks.

Answer: Mine was $200 per square foot. But that has NO bearing on your potential costs!! If you don't trust your agent did it right, find a new agent. If you don't trust that ANY agent will do it right, hire a contractor to give you a written estimate. OR, there are companies out there who will, for a fee, give you a calculation.