This guide lists annual rates for four typical homeowners policies. The sample policies may not match your home exactly, but they provide a way to compare prices among companies. The premiums in this guide are not the exact amounts you will be quoted. Your premium will vary according to your individual circumstances. How to Find the Best Rate Shop for the company and agent that offer the best service for the best price.
Different companies charge different rates.
Get quotes from several companies before you buy. Agents and Company Representatives Independent agents may represent several companies, while some agents represent only a single company or company group. Some companies market their policies directly to consumers without using agents. Deductibles You can save money on your premiums by increasing your policy deductibles. If you are offered a policy with a large deductibe consider whether you can afford to pay that amount for each claim you file.