Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florida. ...

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Reviewed by Joel Ohman
Founder, CFP® Joel Ohman

UPDATED: Jan 18, 2022

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average home insurance costs

Getting the best rate on your home insurance is important. Naturally, you will need to cover the necessities, and you may want to get some extra coverage, but beyond that there is no need to overpay.

Throughout this article we will discuss the best home insurance rates and how to maximize your coverage without maxing out the premium.

Among the important aspects, we are going to talk about finding great savings. It starts with knowing how to get the best rates.

Be sure to start comparing home insurance rates using our FREE search tool above!

How to Get the Best Insurance Rates

Let us approach buying coverage for your home the same way that we would purchasing an automobile. The odds are that you have a friend or relative who sells insurance, and it would be great to give him or her your business, but the truth is that you need to make sure you’re getting great rates and great coverage.

We agree that insurance is different, but not in the same way. It is much more important. While a car may last you 5-10 years, your insurance coverage is going to be purchased repeatedly over the course of 5-50 years!

Knowing this, you need to understand your coverage ahead of time, then reach out to multiple people and let them know that you want that specific coverage, and that whoever gives you the best prices has the best chance of getting your business.

Following the bids, you will need to review service records and reviews.

Price is Not the Only Variable

As we all know, price is only part of the process in evaluating value. For example, Wisconsin has a state policy administrator who can assist when people need help.

This is important because there are many times when price trumps other areas, and it should, but we have all seen that sometimes a little extra is worth the cost.

While a friend you know will do the right thing by you is likely to charge the best rate possible, if it is a little higher, the comfort of knowing that your needs will be addressed quickly is worth more than a small savings.

How much coverage do you need?

Many new homeowners are surprised when they are quoted on the coverage for their home, especially if they made a great buy.

The best home insurance rates can be had, but, just like with buying an automobile, you need to understand the product ahead of time.

You don’t want a salesman being the one to educate you, and you don’t want just one source of information.

By making insurance agents quote you blind, you can find a fair assortment of premiums. Following the quotes, you will then need to see whether or not the company is reputable and stands behind its promises to best serve you.

Be sure to compare rates using our FREE search tool below!