Comparison Homeowners Insurance Quotes
SAVE AN AVERAGE OF $796/YEAR ON YOUR HOMEOWNERS INSURANCE!
Should You Update Homeowners Insurance Coverage as Prices of Lumber and Steel Skyrocket?
When shopping for home insurance, one of the easiest ways to save money is by bundling with auto. It can result in more than 50% savings vs. a mono-line home policy. By bundling with Comparison Insurance Quotes, you get the best of everything: coverage, rate, and customer service.
Some of the top insurance companies our clients choose are:
Why Comparison Insurance Quotes Is The Right Choice For Homeowners Insurance?
We can offer you more choices because we work with 20 different insurance providers.
We conduct a comparison of homeowners insurance quotes for you.
As an independent agency, we have the freedom to put you first – and we will!
Manage, track, and renew all of your insurance policies in one place.
We have 50 years of experience in the insurance industry.
We prioritize delivering a high level of customer service and we treat you like a person, not a number.
At Comparison Insurance Quotes, we realize that your home will likely be the biggest investment you will ever make. We take that seriously and do everything within our power to ensure it is protected. This includes going above and beyond, customizing your coverage to fit your family’s budget and needs.
As independent agents, our clients come first. We represent you, not one single provider, and we prefer it this way because providing exemplary customer service is very important to us! To that end, we make our staff accessible to you 24/7, support you through the entire claims process, and respond promptly when you reach out to us. We even commit our staff to ongoing education so they can share the latest and most helpful information with you.
DIFFERENT TYPES OF Homeowners COVERAGE
Protects the physical structure of your home
Personal property coverage
Protects the belongings inside of your home
Protection for you if someone sues and takes legal action against you
Guest medical coverage
Pays medical expenses if someone is injured on your property
Consider Adding The Following Homeowner Coverage Options
Covering your valuable appraised items with scheduled personal property
Covering business-related items you keep at home with business property
Covering expensive sports gear stored in your home with sports equipment
Covering instruments you keep in your home with musical instruments
Get help with legal fees if your identity is stolen with identity theft restoration
Receive financial assistance with the cost of recovering lost data with electric data recovery
Get assistance with costs incurred from water damage repair with water backup
Cover trees, landscaping, and related equipment with yard and garden
Requirements For Homeowners Insurance
State law does not require home insurance. However, if you have a mortgage on your home, the majority of financial institutions require you to have insurance.
As long as you have a mortgage, you own your home with your bank/lender. In order for them to protect their joint asset, they require coverage. In fact, a lender will typically obtain an insurance policy themselves and use your escrow funds if you do not provide proof of coverage.
The cost of replacing your home and possessions after they are damaged or destroyed can add up quickly. Due to this fact, we recommend you purchase homeowners insurance even if you are not financing your home.
Interesting Statistics About Wisconsin Homeowners
- Wisconsin’s average homeowner insurance rate is $631 – significantly lower than the national yearly premium of $1,173.
- Wisconsin ranks low, at number 37, compared to other states for risk of exposure to natural hazards.
- There were 2,710,723 homes in Wisconsin as of July 2018.
Interesting Statistics About Illinois Homeowners
- Annual homeowners insurance premiums in Illinois are close to the national average of $1,173 at $1,033.
- Illinois edges out Indiana to capture the number 25 spot in the ranking of states for the risk of being exposed to natural hazards.
- 5,376,064 homes stood in Illinois as of July 2018.
Interesting Statistics About Arizona Homeowners
- Arizona has one of the lowest yearly premiums at $765. This rate is well below the national yearly premium of $1,173.
- At number 34, the risk of exposure to natural hazards is almost as low in Arizona as it is in Wisconsin.
- A total of 3,035,669 homes stood in Arizona as of July 2018.
Interesting Statistics About Indiana Homeowners
- Homeowners insurance in Indiana averages out at $983 – coming in lower than the $1,173 national premium.
- Indiana ranks relatively high among the 50 states for the risk of being exposed to natural hazards, with the dubious honor of coming in at number 26.
- Indiana had 2,903,554 homes as of July 2018.
Interesting Statistics About Ohio Homeowners
- Homeowners in Ohio pay an average of $819 for their annual homeowners insurance premium, which is lower than the national annual premium of $1,173.
- People who live in Ohio have a slim chance of being exposed to natural hazards, ranking at number 41 out of the 50 states.
- There were 5,217,423 homes in Ohio as of July 2018.
Interesting Statistics About Georgia Homeowners
- The average annual homeowner’s insurance premium in Georgia is right in line with the national average at $1,152 per year, compared to $1,173 nationwide.
- Georgia falls squarely in the middle of the 50 states ranked for risk of natural hazard exposure at number 27.
- There were 4,326,105 homes in Georgia as of July 2018.
FAQs About Homeowners Insurance
What Affects My Homeowners Insurance Rate?
While making improvements to your home is great for its resale value, doing so actually drives up the cost of your homeowners insurance policy. The reason for this is, improvements are more expensive for your carrier to replace. The age of your home and the roof are both huge factors, along with the materials used to construct them.
Factors you may never have considered can affect the rate of your homeowners insurance in states including Wisconsin, Illinois, Arizona, Georgia, Indiana and Ohio. These include pools, trampolines, wood burning stoves and even owning dog breeds labeled as aggressive. There are proactive steps you can take to lower your premium. Installing a home security system is one of them.
You should be aware that if claims have been made against your home previously, it will drive up your premium.
Home Insurance Terms You Need To Know
- Premium – The fee you pay to a carrier for coverage and claim management.
- Deductible – The amount of money you must pay out on a claim before your insurance company will cover the balance. If your deductible is low, expect to pay a high premium and vice versa.
- Limit – The highest amount an insurance policy will provide assistance for on a covered loss.
- Liability coverage – Covers legal and medical expenses from lawsuits, as well as losses for property damage or bodily injury sustained by others on your property.
- Property coverage – Protects land or property against loss or damage.
- Dwelling coverage – Protects the physical structure of your home.
- Guest medical coverage – Pays medical expenses if someone is injured on your property.
How Do I Compare Homeowner Insurance Quotes?
Consistency is key when it comes to doing a comparison of homeowners insurance. This is true in all states including Georgia, Wisconsin, Illinois, Arizona, Indiana and Ohio. Make sure you are comparing policies with identical term lengths and you take into account deductible, coverages and limits for every single policy.
Your deductible and premium are like a see-saw: when one goes up, the other comes down. It is up to you to decide which scenario is more beneficial for your situation.
You may need additional optional coverage, not just homeowners insurance deemed mandatory by the state in which you reside. Carefully review all of the options available to determine if any of them are right for you.
The $1,500 we saved allowed us to invest in our home by improving our landscaping. Our curb appeal is going up. We have been waiting to improve our landscaping, as we have been saving the cash to do so. We would have had to wait until next year, but this amount gave us the amount we needed to finish it all this year.