Is It Free to Get Homeowners Insurance Quotes?

Homeowners insurance quotes are given free of charge by reputable providers, just as quality companies will answer your basic questions without charging you. This makes the whole process of finding house insurance coverage much easier, because you can focus on the details of a potential policy without having to worry about paying for the information. Just as when comparing and deciding on family pets, comparing multiple quotes is ultimately the best way to look for a quality plan, and the providers are likely to keep their rates competitive if they know that you are shopping around.

Finding Homeowners Quotes

Homeowners insurance is provided by a variety of different carriers, all of which have varying rates. This can make the process of shopping for house insurance particularly confusing, and many homeowners make the mistake of settling for the first quotes they see because they do not have time to call multiple companies. Getting quotes from our website ensures that you will receive the best rates from multiple companies all in one place. Not only are the quotes free, but this will also save you time from contacting individual providers. Also know that many of the house insurance providers reduce their rates before advertising them online, because they know that consumers will be looking at competitive rates from other providers at the same time.

When you start the actual process of applying for an insurance policy, the provider might request your initial premium while they validate and approve your information. However, a legitimate company will never ask that you pay them in order to get homeowners insurance quotes. If a company brings up such a proposal, this is a red flag, and you should discontinue the application process immediately. It is also best that you initialize the communication between you and an insurance provider; many non-reputable companies solicit customers for paid quotes, and these are often scams to get your money without providing you with any actual coverage.

Also remember that obtaining quotes and applying for the actual house insurance policy are just two of the steps out of the whole process of obtaining coverage. Looking at a company's quotes in depth does not mean that you are committed to that provider. Comparing multiple quotes at once gives you the liberty of deciphering between more than one company at once so that you can ultimately make the best choices for you and your family.

Switching Providers

If you already have an existing homeowners insurance policy set in place, this does not mean that you have to be committed to the particular company for life. In fact, many people who obtain free online quotes already have existing policies, and they are looking for better rates. If you fall into this category, there are certain steps you need to take in order to ensure that you maintain coverage at all times while you attempt to get more reasonable rates.

One of the reasons why some homeowners find themselves in a position without insurance coverage is because they cancel their existing policies too soon before starting a new one. Looking at other quotes does not give you a valid reason to cancel your existing policy. Only when you have officially signed up with the new provider can you reasonably cancel your old coverage. Also keep in mind that the application process can take time, so you will want to make sure that your new policy is officially in effect before contacting your old provider to cancel your existing coverage. During the process of switching companies, a potential reputable provider will never charge you for a quote.

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What People Are Saying

"We found your site and changed policies after paying a huge deductible when a storm layed a tree in our living room. Our new deductible is almost 30% less and our monthly payment also went down. Thanks!"

- Sharon and Lewis K, St Louis MO