What’s all the buzz about buying a home? It’s probably the largest purchase you’ll make in your lifetime. That’s right! According to the US Census, the national average price for a new home as of April 2018 was $407,300. Obviously, as you narrow your focus to the state, county, and neighborhood you plan to live, that average number is going to fluctuate quite a bit. But that’s a huge purchase! Buying a home is an exhilarating life moment. Whether you’re a new home buyer or a tenured homeowner, you may be wondering how you can best find home insurance quotes online.
In this post, we share ten tips you can use to get the best home insurance quotes online. We’ll also be showing you how you can find an independent insurance agent on the BriteBee platform without the hassle of cold calls, random emails, and useless direct mail. Sign up with BriteBee today! Otherwise, continue reading to learn more.
Ten Home Insurance Quote Tips
Tip #1 – Shop Around For Coverage
You can spend hours searching the various companies online that offer home insurance, or you can sign up with BriteBee to find an independent insurance agent to help you find the best policy for you and your home. Not only do you get to choose which agent you’re going to talk to, but you will also be in control of when said agent can contact you through the platform.
Tip #2 – Discover Company/Agent Ratings
You’ll want to spend time to discover how various home insurance companies are rated before you buy from them, even if you’re only going to get a quote. On the BriteBee platform, a rating system is built in to show you various agents’ reputations based on prior insurance customers’ interactions.
Tip #3 – Consider The Location
Depending on where your home is located it could change the cost of your home insurance. You’ll want to get a pricing quote from multiple companies and compare them to see how your location compares to the cost of home insurance. Through BriteBee, you can work with a specific independent insurance agent to help you do all of this. What’s better is that the agent can be local, so if you’d prefer to discuss your home insurance in person, you can take your communication offline.
Tip #4 – Find Discounts
Some insurance companies will offer the insurance shopper a discount on their policy for taking risk reducing actions with their home. Installing a storm shelter, home smoke detectors, a burglary system, and more could get you a price reduction on your premium. Do you have questions about how to lower your premium? On the BriteBee platform, you’re able to get quotes and communicate with agents through a secure, trusted system. It allows you to do all your research in one place through experienced, knowledgeable agents ready to serve you.
Tip #5 – Continue Your Search Online
Feel like doing some research on what a potential policy will actually cover? You can do most of your research online, which saves you time and money. However, if you have questions you can’t find answers to, or you don’t have the time to search the internet for the information you need, you may need some help. This is where an independent insurance agent can assist you. Discover an agent through the BriteBee platform and get your questions answered along with a quote.
Tip #6 – Know More Than The Buying Cost
It’s common for new homeowners to not consider the replacement cost of a home. Why is this important? Consider the tragic occurs. Your home burns to the ground. What does it cost to replace your home? This number is going to be more important than what you paid for it when it comes to home insurance coverage.
Tip #7 – Decide On Your Deductibles
This is a long term decision with potential short term effects. The higher your deductible, the less expensive your monthly payments may be; however, this simply means you’re paying more out of your pocket before your insurance begins to cover costs. It’s best to discuss this decision with a professional insurance agent if you want to understand the details more.
Tip #8 – Get A Claims History Report
You’ll want to know your home in and out, whether it’s fairly new or relatively aged. You can request this report from the seller of the home, or take the time to find it on your own through a system like the Comprehensive Loss Underwriting Exchange (CLUE). This will give you a top-level view of your home and what you can do to lower your home insurance payments.
Tip # 9 – Always Provide Accurate Information
If you want an accurate quote, you need to provide accurate information. Home insurance quotes are a preliminary estimate on what it may cost to insure your home. To make the best decision on which policy to pursue, you want to get relatively accurate quote costs. This means sharing honest, correct information.
Tip #10 – Know Which Coverage You Need
It’s common for homeowners to not know exactly what their current home insurances actually covers. In most cases, homeowners aren’t concerned with the details or fine print of their policy. Most people don’t have time to become an insurance agent while working a full-time job, taking care of a family, and maintaining a beautiful home. A great way to achieve knowing your coverage is to work with an independent insurance agent.
Buying a new home can be exciting. Maintaining a home for years to come is a source of pride and joy. Insuring a home in either situation is a smart decision. When it comes to home insurance quotes, make sure you’re not spending your time avoiding cold calls, random emails, and useless direct mail. You deserve to be insured so you can enjoy your life as a homeowner. BriteBee offers a trusted platform to the online insurance shopper. The platform gives control back to the consumer, saving them time and money during their search. Are you ready to take back your home insurance quote search? Sign up today!