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- Jacob, 33, NY

"After shopping home insurance at this site I realized that there's simply no other way you can really get cheap home insurance other than shopping around online! There's just anything you need to know here, and as a result I've managed to save about $400 in premiums after switching policies at this site!"

- Rebecca, 49, NE

Talk it over with your provider before buying a policy

When you have already decided about getting a home insurance policy for your house, there are a lot of details you have to discuss with your insurance agent before actually signing the policy. In order to make it easier for you, here are some of the most frequent questions insurance agents get asked about home insurance.

Read the answers carefully and use this information to get the best home insurance policy out there!

What type of residence your home is?

There's a big difference if you live in a home or a condominium. Inform your insurance agent about the type of residence you dwell in for getting precise home insurance quotes for your particular situation. Each type of residence has specific policy types and respective rates.

What is the age of your home?

In most cases it is cheaper to insure a new house. As it gets older the rates are going up. A freshly built home is usually the least expensive to insure, however you can get a special discount if the home is new to you, regardless of its actual age. It depends on the area, so make sure to ask the agent about that.

Which materials your house is made of?

It's evident that the stronger and durable your house is, the less it will cost you to insure it. Remember about the three little pigs? The same works with home insurance. If you've used cheap materials that won't last much while constructing your house get ready for paying higher rates.

What is the actual location of you home?

Where your home is actually located matters a lot, because the actual area you live in may have a higher risk or history of events in the house that have caused damage to local constructions. It may be anything from earthquakes to bad sewer system, so make sure to learn about these peculiarities before discussing your rates with the provider.

I your home carrying a "Historic" designation?

In case your home is included in the National Registry of Historic Homes, The National Register of Historic Places or a local Historical Society, the construction is automatically classified as a landmark and requires special coverage provisions. Make sure to inform your agent about that when discussing home insurance.

What is the distance between your home and fire protection?

If your home is close to a hydrant or a fire station you will get lower home insurance rates. The best way to learn this is to use Google Maps or any other similar application. Tell your agent the distance in feet – this will make a difference in your rates.