1. 245 POINTS
    Apryl Gordon
    Public Adjuster, A-Team Public Adjusting, Wickliffe, Ohio
    Insurance quotes are a very detailed process which will require first finding out which insurance companies write policies in your area. Contacting insurance agents local to your area is the best way tO search. I always feel quoting with more than one insurance carrier is best. An independent agent in your area can usually quote you for three or more carriers at one time. Also, if you search for independent agents online that write insurance in your state you can get multiple quotes.

    Once you select an agent, you will be asked for personal information, claims history, and information specific to the home. The more you know about your home the better off you will be. Additionally, remember to get replacement cost coverage,  a water backup endorsement if you have a basement, schedule any valuable personal property especially jewelry, and ask about any other coverage endorsements they have available. 

    Request the quote in writing, so that you have the ability to review the coverage and its associated cost.
    Answered on August 31, 2013
  2. 1909 POINTS
    HDA Insurance Brokerage
    Director, HDA Insurance Brokerage, California
    The most affordable and best homeowners insurance can be found online.   For consumers that know what they want and are simply searching the best rate, the best option is to find great home coverage at a cheap rate.  

    Home Insurance premium varies in all geographic areas as the price of insurance fluctuates commensurate with the loss experience in the general area;  also, the premium will vary based on the age of dwelling, reconstruction value of home and optional coverage required by the insured.

    There is a link 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!   http://hda.stillwaterinsurance.com
    Answered on June 27, 2014
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