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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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: Dec 18, 2014

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finding best home insurance ratesEveryone knows the importance of insuring their home, but we also know that getting a good value for our money is important, as well.

After all, if we can get the same coverage for $1,200 a year that we get for $1,500, then the difference would be nothing other than an over payment – a luxury tax, perhaps – and unless that $300 is providing an equal or greater value, then it shouldn’t be getting paid at all.

The question many ask, though, is where are the best insurance rates for the top coverage? 

Homeowners insurance rates can vary greatly, even if the coverage is no different, and the reason is because of the disparity in sales people who are quoting you, as well as your own diligence in finding the best rates.

To solve this, you do not need to search far and wide for the lowest price; you need to:

  • search the web for the information that will allow you to save on premiums
  • reach out to an agent you trust
  • stay on top of the policy in the event that you have life-changing events, such as a move

Search the Web for Information

The Internet has a wealth of information. For example, it is online that you can find out why it is crucial that you get flood insurance, even if you live in Arizona. By searching the web you can find out what people pay for insurance, and you can also get multiple quotes without having to feel any kind of pressure from a sales agent to sign any paperwork.

In a sense, the web has leveled the playing field in this regard because it used to be that a person went to an insurance office, sat down with someone who put them through an interview of sorts, and then presented them with paperwork.

By that point, the person feels comfortable with this total stranger, and the thought of going through this process several more times is not tenable, so the result is that the paperwork would be signed and the relationship would go on for years, whether it was a good one or not.

Today, you can go online and get multiple quotes on your home without having to go through any of that hassle. Use a FREE tool, such as the one at the top of this page, to get started!

The result is that you can save more time and more money while avoiding any of the hassles that come with going through an interview where you tell personal things to a complete stranger under the idea that he is going to guide you properly when all he’s looking to do is get a commission.

This is why once you have found some of your own information, you need to seek out to confirm and build upon it with an agent you can trust.

Ask an Insurance Agent you Trust

Where to find the best rates for home insurance?

We all know someone who sells insurance products, but most agents have a set way of doing things and they follow a system set in place by the people they work for.

Essentially, their whole job consists of filling in blank spaces, adding checks to boxes, and answering the occasional email. If the job required more than that, they wouldn’t likely be in that line of work.

Having said this, you may be related to someone who you know is reliable and intelligent, who also happens to sell insurance.

In this case, you should take what you have found and ask this person a question or two to confirm what you know – that this person is someone who is up to date on what he does, as opposed to merely being a paper pusher.

The questions could include what the definition of a flood is per the rules of homeowners insurance, whether the best coverage is for the replacement value or the purchase value of the residence, or if you should have two policies on the same home (you shouldn’t).

When your friend or relative tells you that a flood per insurance rules is completely different than those that we think of, that you need insurance for the replacement value of the home, and that you only need one policy on your home, but also get supplemental ones, then you can feel comfortable that you have a person who will not only want to look out for your best interests, but will be able to because she is qualified to sell you the products and also cares about the work that is being done.

Update Your Policy When you Have Live-Changing Events

On a last note you need to be the one who is on top of your policy. For example, if you move from a one home to another, it is not uncommon for your insurance agent to update your address but not your policy. This can be disastrous.

For instance, if you moved from a 2-bedroom home that is 1,000 square feet to a 5 bedroom one that is 2,200 square feet, but you still paid the same in insurance, it would be terrible to find out that you were not covered. The lower cost of a few hundred dollars will have cost you $100,000 or more!

Inversely, if you moved from the larger 5-bedroom home to a 2 bedroom one and your insurance coverage didn’t change (and you didn’t notice because you just had it rolled into your mortgage), then all of that extra cost will have just been wasted. When you think of what you could have done with an extra few hundred dollars, and then realize it had been wasted on paying some insurance premium you never used, it is truly a shame.

This is why you need to rely on yourself when it comes to insurance while having an agent you can discuss the matter with.

If knowing about insurance seems odd to you, just consider this: you will have to buy insurance for the rest of your life if you have a good one.

Knowing this, there are people who can tell you all of the ins and outs of taking a cruise, but they have no idea how to deal with an insurance matter.

Be sure to use the FREE search tool below to start comparing quotes today!