subject: House Insurance - It Pays To Shop Around [print this page] Buying a new home is always going to be an exciting proposition. Getting ready to move in, buying all that new furniture, getting your possessions packed and in order, all of it is fun for most of us, as well as interesting and exciting, especially if you've never moved before.
Well, right up until the part where you have to find the right insurance policy to cover your house. Then it becomes less fun. House insurance quotes are a necessity for every home, but it's not something most of us know much about. It can also cost you plenty if you buy a policy that isn't going to adequately cover your home. In fact, it can cost you plenty if you do, depending on a few factors.
The first and most important thing to bear in mind when you are getting your house insurance is going to be, shop around. That is the best advice that anyone is going to give you. The internet and your telephone exist at this time in your life to do nothing but help you to find an insurance policy that will cost you less and cover all of the things that you need covered.
Granted, shopping around for your insurance policy is going to take a little bit of time. Ask everyone you know. Speak to neighbours, ask a friend, check the telephone book and contact the is insurance commissioner to find out how to select an insurance agency in your area. In fact, Each area of the UK has a website that will help you to find a good insurance agent by virtue of the websites they maintain for that purpose. They also house complaints against insurance agencies as well.
In addition you will want to check the consumer information agencies as well as seek out the company website when you are considering insurance for your house. Assess the quality of the insurance company that you are considering based on their customer service record, their financials and their complaints.
Checking the insurance company financials is just good sense. If you use a smaller insurance company to purchase your home owners insurance you need to know that they have the funds to cover the costs you may incur in a loss.
Call and talk to the insurance agent. Ask questions about how you can lower the cost of your house insurance quotes as well as what they cover and what is excluded on your policy. You will learn a lot about the company by speaking to an employee. Most are forthright and will do their best to give you cover that is beneficial and well suited to your situation.
Ask about extras such as house contents. Find out what is covered with each policy and each company and what is not. Each company will offer different policy cover in their house insurance quotes. Comparing them fairly means to compare policies that cover the same things. Otherwise you're simply comparing apples and oranges.
by: Tom Jones
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