Where You Can Get Affordable Homeowners Insurance Quotes

If finances are starting to get tough in your family

, you may be looking at ways to cut back on expenses. There are always those basic ways to cut costs -- eliminate cable TV, trade in your car for a less expensive one, or find a more affordable insurance company. While it's always a good idea to find more affordable homeowners insurance quotes, you don't want to eliminate homeowners insurance completely. Here are a few steps you can take to cut your insurance costs by switching companies.

The first step is very basic: start by shopping around. You can ask your friends, neighbors, or people at church about where they shop for insurance, but it's also a good idea to look at your options by going to the World Wide Web. Not only can you visit the companies' websites, you can look at online forums and reviews by other customers.

Read your current policy carefully to find out if your policy is fully earned. This will help you know whether you can cancel immediately and switch companies, or if you need to wait for the policy to expire.

At this point, you can take the first major step: telling your current insurance agent that you want to terminate the policy with the company. Just be sure that the policy isn't terminated before you get the new policy -- you don't want to have a period of time in which your house isn't covered.

Don't make the transition too quickly -- at least not unless you know exactly what you're doing. Make sure you know what your deductible is, and consider what all you want covered by the new policy. For example, a lot of times people will choose to insure a valuable and expensive item, such as an engagement ring. Once you've chosen what exactly you're going to have covered, you can start signing the new policy. If your agent is professional, he or she will tell you exactly how to do it.

Ask your agent how much exactly you can save by adding smoke detectors, dead-bolt locks, burglar alarms, or sprinkler systems. You may find that some of these products will cost much more than your savings. However, they can actually help make your house safer and reduce the chances of having to ever file a claim.

If you still don't have a house, then you have even more options to get affordable insurnace. Start off with considering the location of your future residence. Often we think of "location, location, location" as being the three main components of finding affordable real estate, but it goes beyond real estate alone. Location can also help you find an affordable homeowners insurance policy. If you purchase a house in a bad area, the real estate value might be less, but your house could be more of a risk.

by: Ed Warde

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