Have you shopped for insurance lately?

Many people ask us questions about homeowners insurance because we provide personal property inventory services. We are not insurance agents, but do understand a lot about insurance, and make it our goal to learn as much as we can. And, of course, we know enough to always refer you to your agent when you have specific questions related to your policy.

With that in mind, I wanted to pass on some tips over the next few days to help you find ways to save money on your homeowners insurance premiums. In today's economy, most everyone is looking for opportunities to cut back. Insurance is not the place to do that! But it might be the right time for you to shop. Markets change, and one company that offered great rates a couple years ago might now have some of the highest rates. Request some quotes. To properly compare premiums, make sure you receive identical quotes (liability, personal property coverage, deductibles, etc.).

Remember that price isn’t the only thing you’re purchasing, though. You should also consider customer service. It's wise to seek a combination of the best price on your homeowners insurance and the best customer service. Make sure you’re receiving the best value for your dollar. Ask friends and family for referrals. And be sure to include your current agent in the quote process!