Are you trying to find real instant quotes ? If so, let me show you what you need to know first and where to go.
Do you know how much coverage you want? This is important, as many options exist. That, not knowing will cost you when getting quotes. As you probably know, purchasing home insurance is a requirement when buying a home. You need to know how to evaluate the costs of replacing your items when choosing an insurance plan to get the right amount of coverage.
You will have to complete a detailed assessment of all the assets or items you own within your home. This will tell you how much coverage you need approx. Personally, this can be a very time consuming task. Therefore, I have found a place that makes this very easy to complete, as it provides a simple checklist of items owned and totals the value for you.
Homeowners insurance also covers the structure of your home in the event of a disaster, such as a tornado or earthquake. Some policies will cover up 80% of the cost of the structure damaged in many situations. Make sure to know exactly what your coverage is during such an event. Many people never pay enough attention to this fact and often lose thousands of dollars.
Some policies will also cover you for the full cost value of your home. This coverage is often the most choice for homeowners when choosing a plan. I prefer getting my quotes online, so I can slowly read through the coverage options and restrictions to each plan. I do not recommend getting quotes over the phone, as often they will mislead you and fail to explain your coverage in depth.
Another type of home insurance covers the structure of your home, which is known as guaranteed replacement cost. This will pay you the entire cost of replacing any property damaged during a disaster. Know that this type of home insurance coverage will not take anything out for depreciation and has no maximum dollar amount.