Top Articles

Your Homeowner's Insurance - 6 Tips for Ensuring Proper Residential Coverage
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Understanding Your Homeowners Insurnace Coverage Options
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Hurricane Season : Tips To Keep Your Home Insured Against Flood Damage
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Are You Prepared with Flood Insurance
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Homeowners Insurance & Keeping
Track of Your Goods
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Is Homeowners Insurance Enough
During Tough Times?
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What Does Homeowners Insurance Cover?
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Residential Coverage
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Detached Structures
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Coverage for Personal Items and Belongings
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1. Shop around. While many homeowners believe that all insurance companies charge the same, that's an expensive mistake. Use a service such as ours to compare rate quotes from different companies if YOUR area. To get started, just use the form on the right.

2. Insure for "replacement cost" rather than "actual cash value." After all, if your belongings are destroyed, do you want the insurance company to send you enough to buy a new couch - or do you want a $50 check for the actual value of your 11-year-old couch?

3. Make sure you are covered for at least 80 percent of the cost of replacing your home. If you're not, it could hurt you even if your home does not need to be completely replaced.

4. Think twice before calling your insurance company with small claims for minor home damage. There have been reports of homeowners facing much higher premiums after putting in only two claims. So if it's a loss you can handle, take care of it yourself.

5. And, in that vein, consider a higher deductible.

6. Make sure your home insurance policy includes enough liability insurance, in case someone is injured on your property.

7. Consider buying your home and auto insurance policies from the same insurer. Some companies will take 5 to 15 percent off your premium if you buy two or more policies from them.

8. You can get discounts if you install smoke detectors, deadbolt locks or burglar alarms.

9. Keep your credit history clean. Insurance companies are increasingly checking credit reports to set their rates.