Home insurance coverage can vary from plan to plan. The most common events that you will be covered from under a homeowner insurance policy include protection from property damage such as fire, lightning strike, hurricanes, wind storms, hail storms, and water damage (usually from busted pipes). Some natural disaster damages are not included under a regular policy such as earthquakes, mudslides, and flood damage.

When you need to protect an important lifelong investment such as your home, it is best to research different home insurance quotes online. As a new or existing homeowner, when you can review different homeowner insurance plans in one place it ensures you are getting a home coverage plan that is affordable and comprehensive to your specific needs.

Here at SheerQuote, we suggest homeowners compare at least 3 to 4 home insurance quotes from national and local independent insurance providers to make sure you are getting the best home insurance quotes possible. We are here to help you through this process by giving you direct access to multiple free homeowner insurance quotes all in one place.

Depending on home insurance policy specifics, there are a few different types of homeowners insurance form policies and different coverages that your plan will likely include as seen in the chart below:

•  House age and materials used: The older your house, the higher the risk of losses or damages from general deterioration or from external factors like harsh weather conditions.  Houses made of lightweight materials, like wood, will be more likely to get damaged than houses made from brick, stone or cement. The state of the roof on your house needs to be considered too because if replacement or repair is needed, the costs of labor and materials increase with time.
• Home security: Having an efficient home security system in your house has a two-fold effect – it can reduce your insurance premium while also giving extra protection to your family and your possessions against theft and vandalism.  Updating the locks in your home can help in reducing the cost of your premium, as can installing fire alarms or sprinkler systems.       
• House renovations: If you have done or started any renovations to your home, you have added value to your home. Some renovations that add value include updating pipes or adding additions. Make sure you advise your homeowners insurance provider as these new improvements need to be accounted for in your policy and premium rates.
•  Home Location: If your home is in an area that is prone to natural disasters you can expect to pay a higher premium from the risk associated with that location. You may also want to check out if your ZIP code carries higher premiums. ZIP codes with higher numbers of theft claims, for example, could hike your insurance premiums up 3-5 percent.  

There are many factors to consider when thinking about home insurance. Getting the right information and putting together a personalized, affordable plan for your home can only be done by the licensed insurance agents. It only takes a few minutes of your time to get your free homeowner’s insurance quote. Contact us today to compare multiple insurance quotes or chat about your options.