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Cheapest Home Insurance

Home insurance is required for everyone who has a home mortgage. Some people are willing to sacrifice insurance coverage to substantially reduce premiums. If you fall into this category, you can follow the tips below to help you get the cheapest home insurance rate.

Purchase an Actual Cash Value Policy.

An actual cash value policy makes you accountable for depreciation on the construction materials of the home. This means when you file a claim, you may be paying much more out of pocket than just your deductible. Actual Cash Value policies are much cheaper, but typically come with more risk.

Raise Your Deductible.

Most insurance and mortgage companies will allow you to raise your deductible to as high as 5% of the dwelling value. That means if your home is insured for ,000, your insurance deductible could be as high as ,000.

Purchase an HO8 Policy.

The HO8 insurance policy is the most basic home insurance policy you can buy. It only covers ten listed perils. If anything happens to your home outside the spectrum of those ten perils, you are not covered.

Lower Your Coverage.

Home insurance comes as a package of six standard sections of coverage. Each of these six coverage sections can be lowered to a minimum amount. Most agents (for your benefit) won't lower the coverage to the lowest possible unless you specifically ask them to.

Shop with Multiple Agents.

If you limit yourself to one agent representing just one insurance company, you probably won't find the cheapest home insurance rate. If you are serious about finding the best home insurance rate, you need to search with multiple agents and multiple companies to ensure you are getting a broad look at what the market has to offer. This is probably the best method to significantly lower your home insurance premiums.

The Cheapest Home Insurance Can Be Easy to Find

Home insurance that's right for you can be easy to find if you know what to look for. We understand that sometimes the budget can be tight. Follow the steps we've outlined above and you should be able to find the cheapest home insurance that is available in your area. Want to start searching now? Fill out our online quote form to start shopping with multiple agents now.

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Last modified: Mon Jan 27 10:57:11 MST 2014