Where Can I Get The Cheapest Homeowners Insurance? 
The Cheapest Homeowners Insurance is a summary of a complicated process . Insurance carriers either hire actuaries or contract with an actuarial firm to review statistics , assess risk and therefore assign a premium charge to risk . This complicated process translates to premium charged for home insurance . As a result of the above , carriers may have a lower -LRB- cheaper -RRB- premium in one area or in one size class of homes but then a higher premium in another ! An insurance professional that understands the complete process should be able to explain exactly how this cumbersome but necessary process works . In addition , insurance carriers all use a slightly different process in calculating the Replacement Value of Construction on each home , this calculation is the Dwelling Coverage assessed to rebuild the home in the event of a covered total loss . You may find cases where the ` cheapest ' -LRB- price per thousand -RRB- insurance company may use a higher reconstruction value thereby complicating your process of finding the cheapest insurance premium . If one is determined to find the cheapest insurance , it would be recommended to obtain quotes from several companies and comparethe details . After answering all the characteristics related questions and other underwriting questions , there will be one further and critical issue after issuance of the policy : each company will send an independent inspector to take photos , take measurements and report any obvious hazards to the underwriter . The inspection process is a necessary step paid for by the insurance company ; it is a final check to assure that the risk has not been misrepresented in any way thus causing the carrier to take on adverse risk . Some carriers request only a drive by/exterior inspection and some carriers request a full inspection which will require making an appointment with the homeowner . If following the inspection , there are any unacceptable underwriting hazards that were found , the underwriter will send out an advisory notice and if necessary a cancellation notice which may or may not include the possibility for corrective action . On another point , if the inspector finds that the home is customized , some carriers require inspectors to produce an updatedreconstruction cost estimator which will accordingly increase the dwelling coverage amount on the original policy thus raising the original premium . In summary , a homeowner should speak to an insurance professional , openly explain each and every concern and allow the professional to explain the process specific to the risk . There is a link available providing an online format to obtain a quote and buy home insurance online in multiple States ; may be used by Escrow/Closing Professionals , Mortgage Professionals , Real Estate Agents and directly by Consumers . An exemplary online experience for all ! WEBSITELINK 