There are plenty of options when it's time to choose a homeowners insurance plan. But once you start looking at your options you'll quickly find that not all insurance coverage was created to do the same job.
If you want to get the right policy — and pay as little for it as you can — you're going to have to do a little homework.
Homeowners insurance rates vary depending on how your home was constructed and where it's located.
Insurance companies will offer you discounts for a number of reasons, including if your home is brick rather than wood framed, if it's close to the nearest fire hydrant, fire station, on an easily accessible road, or in a town that isn't overly congested. Discounts like these will be different in each state and with every insurance company.
But location and construction alone doesn't automatically decide your rate. You should still be able to find a variety of ways to save money on your homeowners insurance.
In general, you'll be able to save money on your homeowners insurance by remembering to do these things:
Want to compare policies from different insurance companies and see which ones save you the most? Talk with our network of insurance agents. When you use our free service, we'll match with locally-licensed agents who can help you choose the right policy. Fill out an easy online form, and you'll be contacted with free quotes.