How To Shop For Home Owner Insurance? 
Shop for a trusted insurance agent first . Let the agent help you . If you dont have an agent ask friends , colleagues and neighbors for recommendations . A good insurance agent will listen to you , provide sound financial advice and communicate clearly with you and the insurance company . The agent will provide guidance in setting the limits of the policy . Regardless of the premium , a policy that doesnt cover a loss adequately is just too expensive . Dont fall into the trap of thinking that premium is the most important thing , proper limits are much more important . 