Homeowners Insurance Quote | Home Insurance Quote| Homeowners

Your home is probably the biggest investment you will make in your lifetime. Make sure you protect your investment with homeowner’s insurance. Life happens and it can catch you by surprise. The purpose of a homeowner’s insurance policy is to protect you from the unexpected.  Homeowner’s insurance policies cover many perils including, but not limited to, fire or lightning, theft and vandalism, and storm damage. When purchasing a homeowner’s insurance policy be sure to understand what is and isn’t covered.

Homeowner’s Insurance Savings Tips

• Shop around. Insurance rates can vary widely from one insurance company to another. Don’t assume you are getting the best rates. FrogDogQuotes.com is here to shop the competition for you to ensure that you are getting the best rate available for home insurance. Give us a call.

• Choose a higher deductible. If you are willing to raise your deductible and take on more risk you will reduce your homeowner’s insurance premium in the process.

• Ask for discounts. Each insurance company has its own set of unique discounts ranging from a claim free discount to a home improvement discount. It pays to ask about all available discounts.

• Add an alarm system. Most insurance companies will give you an additional discount on your homeowner’s insurance policy for having an alarm system. The discount may even outweigh the cost of the alarm system.

• Home improvement discounts. Have you done any major home renovations lately? If so, be sure to let your insurance company know. You could be rewarded with a lower rate.

• Make sure you are not over insured or underinsured. If it has been awhile since you have reviewed your homeowner’s insurance policy, now is the time to pull it out. Make sure you are only paying for the coverage you need. In contrast, make sure that you have enough coverage to protect all of your precious belongings.

Condo Insurance

Condo Insurance policies are designed to cover your personal property and the inside structure of your condo. As a general rule of thumb a condo insurance policy will cover everything from the wall studs in. The condo association is responsible for the outside structure of your building as well as the roof. Each condo association can vary so be sure to understand what they will actually cover.

Renter’s Insurance

A renter’s insurance policy covers your personal property as well as providing liability protection. Many renters assume that their landlord is responsible for any damage or loss that may occur. This is not the case. The landlord’s insurance strictly covers the building. If the apartment complex burns down to the ground you will lose everything. Without renter’s insurance you will be out of luck and you will have to replace all of your personal belongings on your own. Renter’s insurance policies are extremely inexpensive—often as cheap as $ 10-20/month.