What Should I Look For In Homeowners Insurance? 
The best and most honest single piece of advice when selecting a Home Insurance Contract is to make a list of items most important to you , do not place yourself in a situation where you have to make a rushed decision and always place the cost -LRB- Premium -RRB- -LRB- $ $ $ -RRB- as the last item of importance . Having stated the above , more than 90 % of homeowners simply call two or three insurance carriers in a rush to obtain a quick quote thereby comparing the 2 or 3 prices quoted and rush to purchasing a new home insurance policy . Coverage is the primary purpose of the insurance policy ; there are a variety of coverage items that conclude an insurance contract . The Dwelling , Other Structures , Personal Property , Additional Living Expenses -LRB- Loss of Use -RRB- , Personal Liability & Guest Medical Payments . In the event of a loss , each of the coverage items suddenly becomes very important to the homeowner ; for this reason , when purchasing a policy it is important to take the time to review coverage . A thorough review should n't take you more than an hour and it should n't be necessary every year unless there has been a change in insurable interest . The policy should cover your property on a replacement cost basis , you should review any additional available endorsements and make sure that your coverage limits are sufficient to protect you in the event of a loss . If after your thorough review , you feel that the premium is too high , it may be advisable for you to reduce the carrier 's risk by increasing your deductible thereby reducing the premium . There is a link available providing an online format to obtain a quote and buy home insurance online in multiple States ; it may be used by Escrow/Closing Professionals , Mortgage Professionals , Real Estate Agents and directly by Consumers . An exemplary online experience for all ! WEBSITELINK 