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Homeowners Insurance Quotes

Getting homeowners insurance quotes used to be a hassle: you would dig out the Yellow Pages, sit on the phone for hours and talk to insurance rep after insurance rep until you found a price that was slightly less than the value of your house. These days it's much easier: direct sellers make it easy to get a home insurance quote without dealing with middlemen, and the the Internet has made it possible to compare a whole bunch of homeowners insurance quotes in a matter of minutes.

When it comes to getting a homeowners insurance quote, different firms take different approaches. Some settle for asking you a few simple questions, whereas other firms subjec you to an endless list of questions and bore you rigid.

Before you get a homeowners insurance quote you'll need to know some key details: the value of your house, and the value of your contents. If you guess, you could end up without sufficient insurance in the event of disaster.

You'll also need to decide whether you want accidental damage cover or legal protection; most policies include these as optional extras, and you can ignore them if you want to keep your premium down.

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