Shopping around for homeowner insurance policy can be a challenging task, besides the fact that it is tedious! It can be hard to know what type of questions to ask and what kind of answers to give, how much coverage you really need and how to know you are getting the best homeowners insurance rate for your particular needs. So where do you start?

The internet has made many things much comfortable these days, so much easier that before and among them shopping for home insurance. The best place to start is online. A search will result in dozens of companies, both local and national companies. Most of them will have an online rating feature where you can get a quote at once by simply replying to a few questions. Other less known sites will not give you an immediate price. They just get your information and offer it to a licensed agent in the area who will call you to discuss this further. Both options are time savers indeed, and the author always favors face to face meetings before any quote or price is interpreted. You will want to follow up with some of the agents with a phone call and to meet with an agent personally. Meeting with your insurance representative will give you a feel for how the two of you will work together in the future. Your insurance representative is an essential part of your world; you will need assurances that they will be there for you when you need them most.

Things that impact your insurance and the price of the insurance: Insurance carriers have things that they take into consideration when furnishing you a quote. They will want to know things like:

•   Distance from fire hydrant
. Basically the distance is an indication of how fast a fire will be distinguished. It will take the fire department longer time if the fire hydrant is 2000 feet a way. Most companies consider 1,000 feet as an acceptable distance.
 
•   Proximity to a fire station. Many insurance providers will not insure your house if the house is more than 5 miles from a fire station. This can be challenging to homes that are in unincorporated communities or remote areas. Some communities may need to 'borrow' a truck from a neighboring community when there is a fire. This can delay the process of extinguishing fire.

•   Location: Location will establish certain chances of possible losses such as fire or theft. Each ZIP codes has certain information about losses of insurance companies when it comes to auto accidents, auto theft, home fire, burglaries, etc.

•   Heat system: Some companies my rule out certain but not all coverages if you have a space heater. Each state has rules about certain guidelines followed by insurance companies.

•   If you have fireplaces or not, and if so, what type.

•   The security system must be central, meaning it must dial in to a central area which will call police in case of breach such as burglary or break in.

These are just a few of the factors insurance companies will take into account when you get a free home insurance quote. Receiving a good home insurance policy doesn't need to cause you undue pressure, stress, or frustration. With a little homework on your part and a good insurance company as your partner, you can pinpoint the insurance policy that you need without paying too much and breaking the coffer. Finding the ideal agent is as important as finding the right home. Choose wisely and interview more agents before making your last  decision.

Standard Vs Nonstandard Insurers

Like auto insurance, the vast majority of home insurance companies will examine your credit score before they give you a homeowners insurance rate. If you have bad credit your price will be very high. Actually if you have a sever credit problem most companies will either give you a very high (prohibitive) price, or limit your policy to the structure of the house (without coverage on liability or personal property), or simply decline your coverage in cases of bankruptcy and multiple personal property losses! Companies will also check your name, to see if you made any property claims under any previous home/condo/ or apartment policy at any location in the USA. They will, further, analyze the location of your current residence to see if previous claims were made by you or any previous owners (all damages must be radically fixed before getting new insurance). If you have any situations with credit or claims, you are better off dealing with an independent insurance representative, and not a captive agent. Independent agents have more companies and choices to suit all the above situations.

Edward Sneineh
Charted Financial Consultant
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