When you are shopping for a home insurance policy, you will come across a wide variety of options. Depending on your current needs and how much you are willing to spend, you may find yourself choosing between a classic insurance policy that covers only the property itself or adding additional coverage for your loved ones. While there are pros and cons of both options, you ideally want to find a policy that suits your needs and budget perfectly.
Fortunately, it’s easy to find the best rate on home insurance. All you need to do is ask! By calling your insurance provider directly, you can find out what discounts are available and compare rates without having to go through an agent.
In most cases, active military personnel and students can get discounts on their home insurance policies. To qualify, you must meet the following criteria:
- Be enrolled in college or university
- Be active in the military (past or present)
If you meet these criteria, you can get a discount of up to 10% in most cases. This discount can be applied to both property and liability coverage.
If you are an avid motorcyclist who enjoys taking long road trips, you may want to consider investing in a specialized rider’s policy. These policies are designed for people who want to cover accidents that happen while riding a motorcycle. Most companies that write motorcycle insurance will waive all liability in case of an accident provided that you have a specialized policy. This type of policy is ideal for motorcyclists who want full coverage in case of an accident but don’t want the extra cost that comes along with standard homeowner’s insurance.
If you prefer to work with an in-house representative rather than going through an agency, your home insurance policy will be more affordable than you think. In most cases, large corporations that offer in-house counseling will waive all agent fees for home insurance policies. In addition, you get the convenience of comparing rates and policy information without having to leave your home.
After you’ve gotten all the proper documentation, it’s time to submit your application for a home insurance policy. When you do, you will be presented with a myriad of options and various prices along with a few well-placed clicks of a mouse. That’s all there is to it! From that point on, all you need to do is sit back and wait for your new policy to kick in. Once it does, you’ll be able to verify how much money you’ve actually saved by comparing it to what you would have paid if you had gone the traditional route.