Extensive shopping will help you lower your home insurance premium by a great deal. Take some time out to shop around extensively. There are many ways you can do that.
a) Make a few phone calls to your friends, relatives and acquaintances and ask them about their insurance company. Their experience with them and how much they pay if it makes sense to ask them. You can ask them to refer you to their home insurance agent if they are pleased with his/her services. However, make sure you do not just call one friend and then go with their agent (however good they claim such agents are). Get referred to several home insurance agents. Then get quotes from each. Pick the best three have some talk with them all. Decide on who offers not just the lowest price, but the best price to value ratio in home insurance coverage. This will take you quite some time. Thankfully, there's a better way to do this and more thoroughly too (Check the last tip).
b) Check the Yellow Pages. If you're the kind of person who prefers talking on the phone, you can look for home insurance agents in the Yellow Pages, call them up and request quotes from them. The few problems with this is that you'll spend quite some time and might not be able to count on the reputation of the agent as you would if they were referred.
c) Call your state insurance department or visit their website online. They usually have resources that will help you get the best value in home insurance. They also advise you on how to go about your home owners insurance. Being better informed will definitely put you in a better position to realize more savings.
d) Check consumer guides. They will give you an idea of price ranges in home insurance. This is apart from the fact that they will give you a few tips that will help you get the best value at the lowest price. This is so because they tell you insurers and agents who have the best prices in home insurance. However, since their figures are usually estimates or for a given profile, you'll do well to still get quotes from more than just one home insurance agent or insurer. Doing this will ensure you get the very best price as you'd be given quotes for your exact profile.
e) It's not also out of place to call any home insurance agent you know and ask for a quote. What I don't advise is getting just one quote. Get from at least five different agents, compare their prices and the quality of service they offer and you'll get the best price/value.
f) Get direct home insurance quotes from insurance companies. Get from as many of them as you have access to. Compare their prices and value and you'll be on your way to making the biggest savings possible for your profile.
g) Visit sites run by insurance brokers. You can get better quotes on home insurance today by visiting not less than three quotes sites. Visiting not less than three quotes sites increase the chances that you would receive more quotes.
And, you should understand that because the likelihood of receiving lower home insurance quotes is tied to the range of quotes you get, the more insurers you obtain quotes from, the better your chances. Obtaining your insurance quotes online will help you save far more if you invest around 15 minutes to obtain quotes from not less than three quotes sites.
Here are my favorite quotes sites for home owners insurance. . .
Homeowners Insurance Quotes from InsureMe
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Chimezirim Odimba writes on Homeowners insurance.