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Home Insurance Quotes. Whether you are looking for a free homeowners insurance quote for a new home or looking for a better deal on your current insurance, InsuranceQuotes.com can help you find the right coverage with homeowners insurance rates that fit your budget. Get your free home insurance quotes today and find out just how much you could save!
Why Do You Need Homeowner Insurance?

If you have a mortgage on your home your lender requires you to carry home insurance in an amount sufficient to protect its financial interest. By making smart decisions about the homeowners insurance you buy, you’ll make sure that your interests are protected, too.

Typically, a home insurance policy protects you in three important ways:

* Structures – Your homeowner’s policy protects you against loss caused by accidental or weather-related damage to your home or other structures on your property. Home insurance also covers your expenses if you cannot live in your home for a period of time due to a covered loss (such as a fire, for example).
* Personal Property – Home insurance protects you and the members of your household against loss of personal property due to damage or theft.
* Liability – Liability insurance pays for medical expenses or other claims against you if a guest is injured while on your property or in your home.

How to Shop Smart for Homeowner Insurance Quotes

Home insurance isn’t “one-size-fits-all.” Here are things you should keep in mind as you search for the best value for your needs:

* Coverage Amounts – Make sure that your coverage is enough to protect the total value of your home, not just the equity in your home or the balance remaining on your mortgage.
* Covered and Uncovered Losses – What types of losses are covered by the policy? Theft, fire, and weather damage are standard for most policies, but some hazards, such as floods and earthquakes, may require a separate policy.
* Policy Exclusions – Most insurance policies specifically exclude damages caused by certain circumstances. Know and understand the limitations of your coverage.
* Deductible – You can save money on homeowners insurance rates by choosing a policy with higher out-of-pocket deductibles, but make sure the deductibles you choose are realistic.
* Actual Cash Value vs. Replacement Cost – With actual cash value compensation your insurer will pay for the depreciated value of the lost item. Replacement cost coverage is more expensive, but it provides compensation based on the amount it will cost you to replace the item today.
* Discounts – Many insurers offer premium homeowners insurance rates to non-smokers or for new homes, security systems, or multiple policies.

Finding online home insurance rates is a lot easier than you may think. We make it simple for you to obtain free homeowners insurance quotes anytime, from the comfort and privacy of your own home. Get free home insurance quotes.