subject: Five Tips On Buying Home Insurance [print this page] Getting good insurance is as important as any other part of buying a home. You would double check and get the best that you could of any other component or service that you buy for your home. You might do the best you could when it came to getting your house appraised and finding a good quality electrician.
Chances are though, that when it comes to getting cover for your home, you are probably not going to look too much further than the price. The reality is that while price is important, it should not be the deciding factor. Getting a good product is just as important as getting a good price. You can get a cheap car, but in the end it will probably let you down.
A few tips on buying your home insurance, where ever you buy it from, are found below.
1. Speak to your estate agent about the home insurance. Most estate agents will actually work with a home owners agent. If they do not, they know who is the best and who is not in your area. They will tell you not only who to go to, but who to steer clear of.
2. Your prospective agent can sit down and talk with you about what you need when it comes to good quality cover. Ask questions and do not be rushed into the purchase. Make sure that you are getting exactly what you need and that you are paying a competitive price.
3. If you don't get a good referral then check out your options on a comparison site on the internet. Comparison shopping is always a good bet and for the insurance industry you can compare both services and rates online.
4. Comparison shop for your insurance. Just because you get a referral from your home estate agent, doesn't mean that you have to use that estate agent referral. Feel free, in fact absolutely do shop around and see who in your area offers the best rates and speak with friends or family to find out who they use for insurance and why they like them.
5. Find out about any discounts you might be eligible for and what you need to do to accomplish them. Many insurance companies will give you a discount if you install a certain type of home security. Others give you discounts if you buy all of your different policies from their company, such as car cover. Others offer discounts of the policy if you are over a certain age. It never hurts to ask!
When you buy your home insurance be completely frank about what you have in your home and what kind of policy that you need. Insurance only pays for what you tell them that you have. Likewise if you have a dog, let them know and be sure that you are open about your dogs size and breed. Some companies will offer you a discount for a certain breed or a guard dog, while others will penalise you for it.
by: Tom Jones
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