In a recent poll it was discovered that homeowners insurance in Ohio ranged from $230 to $1440 for a $120,000 home. What a huge difference! Here's what you can do to make sure you're paying the lowest possible price to insure your home:
Buy the Right Amount of Insurance
You want enough insurance to ...
* Replace your home
* Replace the contents of your home
* Pay to live someplace else while your home is being repaired
* Protect your assets in case someone is hurt in your home or on your property and sues you
Get a local builder or real estate agent to estimate how much it would cost to replace your home, then do a home inventory so you know how much it would cost to replace your personal possessions. Make sure you have enough personal liability coverage to protect your assets.
Combine Your Insurance
Most insurance companies offer discounts if you have both your auto and home insurance with them.
Ask About Other Discounts
Insurance companies offer numerous discounts that can directly lower your premium. Make sure you're getting all the discounts you qualify for. Even if you need to make modest changes to your home to qualify for a discount, such as installing deadbolt locks, it will save you money and make your home a safer place to live in.
Shop Around
With insurance rates in Ohio varying by more than $1,200, you want to make sure you choose an insurance company that offers low rates. So go to an insurance comparison website, where you can receive quotes from multiple A-rated insurance companies. This makes it easy for you to compare rates and choose a less expensive company.
And if you have questions about your insurance, the best comparison websites have insurance professionals available to answer your questions and offer advice on how to lower your premium (see link below.)
Visit http://www.LowerRateQuotes.com/homeowners-insurance.html or click on the following link to
get Ohio homeowners insurance rate quotes from top-rated companies and see how much you can save. You can get more tips and advice in their Articles section.
The authors, Brian Stevens and Stacey Schifferdecker, have spent 30 years in the insurance and finance industries, and have written a number of articles on homeowners insurance in Ohio.
