Home Insurance – Where to Start

Picking the right insurer for your home can be a daunting task especially if you’re a new home buyer with no prior experience. There are so many providers out there with such a vast range of insurance packages, it’s difficult to tell which is the right plan just for you.

Fortunately the internet makes home insurance shopping much easier especially with sites like InsWeb for the US and Money for UK residents. InsWeb provides a free database  which offers quotes from up to 8 insurers and the UK Money site provides up to 20. They are basically search engine comparison sites so you can access quotes from one location without having to hop from one insurance site to another.

There’s also an article on the CNN site under the money section which I recommend reading that discusses the top things to know about insurance. They even provide some other good articles worth reading pertaining to home ownership in general.

Insurance coverage and requirements also vary based on which state and country you live in. For example, I live in San Francisco which is very earthquake prone so an optional earthquake insurance option is available. Others who live in the mid-west are prone to hurricanes so their insurance will be more expensive.  Regardless of your location, it’s always important to seek out and find at least 2-4 quotes before making your decision. Not only will you save money but you’ll also have peace of mind knowing that you didn’t just select the first insurance plan you came across. Good luck in your search!

133 thoughts on “Home Insurance – Where to Start”

  1. Thank you very much for this quality information. Home buyers really need to choose the right insurance policy for them. Each state has different laws and guidelines regarding insurance programs and home buyers need to be familiar of that before they sign up for that.

  2. People often take for granted the home insurance. We should be more knowledgeable about them and try to learn more about them before signing up for any program.

  3. make sure to find insurance as early as you can. It can take time to shop around for the best insurance for the property you are buying. also, identify what you need so it is easier to find what you are looking for.

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  4. A good way to buy is to visit free classified ads at classifiedsinn.net.We believe that a beautiful place to stay is Abano Terme a beautiful city Near Venice. We here have found a beautiful property but we can not buy http://www.classifiedsinn.net
    We visited it and was fascinating!

  5. A clarification on the previous comment, Florida requires homeowner insurance prior to purchase. But the requirement is per the lender only, I believe. If a property is owned outright, I don’t believe there is anything preventing a homeowner from dropping coverage (not that it’s recommended).

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  8. Hey,

    Just a question. Is there any free solution to transfer money from the US to France? I’m buying a house in France and need to save a bit if possible.

    Thanks in advance

  9. there is no free solution for such an amount, but would recommend to negotiate with your bank… 😉
    Check on my link for smaller amounts though cuz the cheapest solutions are listed there.

  10. Selecting the proper types of insurance policies for your home is very important. Like San Fransisco with it’s earthquake considerations, Miami homes have to take into consideration the damages that hurricanes may cause. Be meticulous and diligent. Get your three quotes and make certain that you compare apples to apples.

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