Shop back and save home insurance of

What you like most of your home - kitchen full of bright sunlight wood floors shiny or comfortable rooms?

Or is it the fact that his house is probably until such time most - of the total of your net worth?

Either way, you have to protect what you have, using the homeowner insurance.

Although there were reports a few years ago the rise in prices and availability for homeowners insurance, market has opened again, according to j. Robert Hunter, director of insurance for the Federation of United States consumers expect that the premiums rise by no more than the rate of inflation this year, said.

"The market continues to be competitive where homeowners insurance buyers may be selective," said Marshall McKnight, a spokesman for the Department of banking and insurance status.

There are several ways to save on home insurance:

Compare.While many owners believe that all insurance companies charge the same, a service like ours is costoso.Utilizar wrong to compare quotes from different companies rate if your area.To begin, use the form on the right.
"You can pass a company to another pay twice as much," said Hunter.

And do you the shopping for you, not only call an agent and expect advised Hunter, since agents do not represent all the companies and could not get the best deal.

Ensure to "replacement cost" instead of "actual cash value".If you destroy your belongings, what you want than to send you enough to buy a new sofa - insurance or want a cheque for $ 50 for the actual value of his 11-year-old sofa??

Make sure that you are covered during at least 80 percent of the cost of replacement of its hogar.Si you are not, could hurt you even if your home doesn't have to be replaced completely.

Suppose your home would cost $ 200,000 to replace and you are insured for only $ 100,000, half of the replacement costs.If you have a loss of $ 10,000, was only half that amount, or $ 5,000.

Of course, knowing how much it would cost to replace your home not always always is easy.For example, I know how much I paid for my house, and how much could probably sell it for, but I don't have a clue how much it would cost to rebuild if burned.

State banking and Insurance Department and the New Jersey insurance Council recommended that the homeowners in this situation should consult your insurer, you will be able to estimate the cost of reconstruction based on the size and location of the House.

Think twice before you call your insurance company with small claims for damages under home.There have been reports of owners face much higher premiums for putting in only two reclamaciones.Por therefore if it is a loss that can handle, taking care of yourself.

And, in that regard, consider a deductible higher.

"If you can't file a small claim, no good paying a premium to be covered by an amount that you not submit to," said Hunter.

"Every dollar you give to an insurance company, on average only get 60 cents," said Hunter.El rest will benefit from the insurance company and the overhead.Por what if you can self-insure the smaller losses, you should.

Last 20 years Hunter raised |the deductible on your car and the |home policies and deposited the money that was saved from premiums in an especial.Durante account age, used that account to pay for a $ 2,000 to 3,000 loss, mostly related to the auto.Todavía has $ 4,000 - money who have had the |could insurance company.

"Today, most insurance companies recommend a deductible of at least 500 $. If you can afford to raise your deductible to $ 1,000, you can save up to 25 percent," according to the Insurance Information Institute, an industry group.

Make sure that your home insurance policy includes sufficient insurance of civil liability where someone is injured on your property.

Consider buying your home and auto insurance policies from the same asegurador.Algunas companies will take 5-15% off your premium if you buy two or more of these policies.

You can get discounts by installing human locks, smoke detectors or burglar alarms.

Do you keep clean your history of crédito.Las insurers are checking each time more credit reports to set their rates.?