How To Compare Homeowners Insurance Policies? 
The first thing you need to do is look at your coverage . Part `` A '' is your dwelling coverage which means your home . Make sure that your home is valued correctly . Some carriers use replacement cost so you need to make sure that you are no over insured or under insured . Also make sure that they have the correct property address . I had a client come in who had a policy on a home that was very high and after looking at the papers the carrier had been insuring the wrong home for 6 years Many times a Mutual carrier will be less depending on the type of home and the area you live in . In many cases they are less because they are no affected by natural disasters from other states which can affect everyone premium . In some cases this year alone I have seen Rates double with some carriers that had many claims from other states and here in Montana the mutual companies are less because they are all Montana based only . Shop around and most important is to make sure that you are covered properly . In the even of a total loss being insured for the wrong valuecan be a HUGE problem 