How can I get cheap homeowners insurance n New Jersey?
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Asked November 13, 2012
Whether you are looking for home, car or even life insurance, the best place to start is with the people you know. If you work with people who have homeowners insurance, ask them about any positive experiences they have had. You might get some negative feedback as well, but at least you can get an idea of what to expect from some of the companies available.
If you already have active liability policies, such as car insurance or an umbrella policy, check to see if you can get your homeowners policy from them as well. Insurance companies give you discounts when you take out multiple liability policies because it lowers your effective risk for the company. If you do not have any existing insurance policies, keep this fact in mind when you need additional coverage for your family.
Some of the cheapest homeowners insurance quotes can be found online, at insurance brokers who basically do the shopping for you. Fill out a form for a free quote, and have your quote delivered and compared with other leading insurance companies. And shopping online gives you the opportunity to review a company in detail, including checking with a financial ratings company to see how well a potential insurer fares against others. By researching the company that insures you house, you can be prepared for many of the surprises that might otherwise come up, and you'll know how other people's experiences with the company have gone.
If you need special insurance, such as earthquake or flood insurance, you may not always be able to buy it on the open market. This type of insurance is a high risk coverage, and you may have to use one of them or contact your state's department of insurance to find out what other options you have available. Even if the insurance coverage is costly, it will still be available and will cost you less than having to rebuild your family's home and history.
Answered November 13, 2012 by Anonymous