Countless factors go in to calculating the cost of homeowner's insurance: location, neighborhood, age of the home, age of the electrical, plumbing and heating systems, proximity to emergency services, and more. So even though two homes may have the same sticker price, they could … [Read more...] about Get your insurance quote before you buy

Homes in areas at high risk for floods, crime or other problems might normally have trouble being insured, but it's still worth checking with an agent. If you can score a policy you might save a lot compared to a government sponsored "high-risk" program.A LOZO expert posted this … [Read more...] about Even high-risk area homes might qualify for cheap private insurance

Check your bill when it comes to see if your insurance company charges extra for paying monthly instead of all at once/twice a year. If you are not sure, try multiplying the monthly rate by 12 and see if it's more than the annual rate. If you can afford the payment in full, and … [Read more...] about Rethink monthly payment plans for insurance

Your homeowner's policy will probably advise that you have sufficient replacement coverage on your home. In fact, your mortgage company will probably insist on it, so you can't really cut back on that. This means that the insurance will cover the cost to rebuild your house if … [Read more...] about Insure your house, not the land