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Cheap Home Insurance
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When it comes to finding the best cheap home insurance, it can take time. Perfect home insurance offers a level of coverage that protects the homeowner's financial interests and provides a level of service that makes business easier. And if the insurance company also offers cheap home insurance, they hit the triad. We've reviewed homeowners' policies and rates to find the best cheap home insurance options of the year.
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Abraham Lincoln was in power when Travelers sold its first policy. In the 157 years since then, the company has become one of the most trusted names in insurance. Even better, Travelers has changed over time, expanding its insurance offerings and creating innovative ways to provide discounts on home insurance. For example, their Green Home Discount offers a 5% discount on home shelves that are "green" with LEED certification.
Nationwide offers benefits that would otherwise be extra - such as credit card coverage - as part of a standard homeowner's policy. The best cheap home insurance isn't always the lowest priced. Sometimes it's the policy with the most coverage at the lowest price. Free plugins are a great place to start.
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When it comes to low rates, Erie is hard to beat. Small but mighty, Erie works only with independent agents - more than 13,000 of them. The only gripe is that Erie is only available in 12 East Coast states.
Not only does Allstate offer some of the most generous discounts in the industry, it also has an extensive agent network and a strong J.D. Power.
Lemonade is a top destination for buyers looking for affordable home insurance, with premiums as low as $25 per month. The company makes buying insurance easy by offering a completely online application process and instant responses.
Most insurance companies offer one or two policy benefits. For example, free indemnity is available to farmer beneficiaries who have not made a home insurance claim for five years. While free claim forgiveness is somewhat common among auto insurance carriers, it rarely applies to a homeowner's policy.
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Although Progressive does not underwrite owner coverage, it does offer it through affiliated third parties. Progressive auto insurance customers can save on home insurance premiums by bundling their services when purchasing a homeowner's policy through one of Progressive's affiliates.
Liberty Mutual has been in business for 109 years and is one of the most respected names in the industry. As the fourth-largest U.S. home insurer, the company is known for two things: its AM Best A rating, indicating significant financial resources, and its strong philanthropic efforts, including helping the homeless, promoting accessibility for people with disabilities, and supporting education in underserved communities.
On average, American homeowners pay about $1,200 a year for coverage. Full coverage rates may increase at the time of renewal, although this is not a given. If this happens, it is likely due to an increase in the cost of renewal.
Let's say the house is covered for full replacement. This means that if it is destroyed, the insurance company will pay to restore it, regardless of how much it costs (minus the owner's deductible). If the cost of materials and labor increases, this increase will be reflected in a higher premium.
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If a homeowner is renovating their home or making improvements, home renovations will immediately become more expensive. This will likely result in a larger reward as well.
One thing to keep in mind about home owner insurance is that it can be tailored to a home owner's needs and budget. For example, a homeowner looking to save money may decide to skip extras like flood insurance or earthquake coverage (depending on where they live and the wisdom of the decision). Another may opt for an above-average deductible to keep premium costs low.
One of the easiest ways to compare prices when shopping for home insurance rates is to decide what's important before you request your first home insurance quote. For example, a homeowner may want an insurance product that provides basic homeowner coverage, including homeowner's coverage, personal property coverage, and personal liability. Or maybe they want to find the cheapest home insurance for a home with extras like a pool or trampoline.
The trick is to get a quote from each home insurer for exactly the same level of cover. That way, homeowners can compare apples to apples.
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Dana has spent the past two decades as a business writer and journalist, specializing in lending, debt management, investing and business. She considers herself lucky that she loves her job and appreciates the opportunity to learn something new every day.
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Recap: How To Reduce Your Home Insurance Premium
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Although best known for its medieval cathedral and top university, Durham is also the cheapest place to get home insurance in the UK, according to new figures from MoneySupermarket.
Living in the cheapest area can save you up to £134 a year compared to more expensive locations - so how does your home insurance premium compare?
Here we take a look at the cheapest and most expensive home insurance areas and how you can find the best home insurance policy to suit your needs.
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In the city of Durham, people paid an average of just £117 a year to protect their homes.
Residents in Newcastle and Sunderland, which came in second for the cheapest home insurance premiums, paid just a pound more at £118 a year.
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First place as the most expensive area was North West London, where families paid an average of £251 a year to cover their property. That's a staggering 114% more than the national average of £138.
Central and West London, including boroughs such as the City of Westminster, Hammersmith and Fulham and the Royal Borough of Kensington and Chelsea, came second, with average premiums of £249 a year.
See how your home insurance premium compares to the rest of the UK using the searchable table below.
It's unlikely you'll be upping sticks and leaving just to cut your insurance costs - although if you're moving, it's always worth considering the cost of living in your new area.
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It's common for people to overpay or underpay for home insurance because they've miscalculated the value of its contents or the cost of renovating their home.
Using a tool such as a contents insurance calculator can help you get an accurate idea of the cover you need.
Price comparison sites are a quick and easy way to see what home insurance deals are and which providers offer the right one
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