Posted on

Three Ways to Find the Most Accurate Pennsylvania Home Insurance Quotes

The reason why people purchasing insurance is so that they can cut back on unpleasant surprises and costly yet avoidable expenses.  So, the last thing most consumers want are inaccurate Pennsylvania home insurance quotes.  This is not only incredibly frustrating but it can put a stop to any progress taking place under a tight budget.  Luckily, there are at least three ways to ensure that the price you see is the price you end up paying for your coverage.

  1. Hear it from the Horse’s Mouth

Probably the most accurate source for Pennsylvania home insurance quotes is also the most obvious: straight from someone like  These days, nearly every business has its own website.  On top of that, most insurance companies know that potential clients are looking at price as one of the major deciding factors.  Because of this, a lot of them have unique quote providing tools as a permanent feature on their main homepage.

  1. Listen to the Word on the Streets

If your chosen company does not utilize such tools and you are still interested in getting a policy from somewhere, then you should probably start asking your friends and neighbors about their insurance providers.  Friendly conversation can lead to great discoveries as you learn what one person pays for coverage in relation to another.  For honest-to-goodness Pennsylvania home insurance quotes that include coverage options similar to your own needs, just ask the folks who actually have to pay a premium for services.

  1. Be Honest about Your Record

Regardless of what you find out when searching for the most accurate Pennsylvania home insurance quotes, if you give bad information to the insurance company then your price quote will be incorrect. You need to know your social security number and address, as well as have information on hand about any past claims made or other any other policies held.  Some companies even ask for a background check and credit report in order to render an accurate quote.  In fact, you will probably need a whole lot more than that, so just have everything relevant ready ahead of time.

Getting the most accurate Pennsylvania home insurance quotes does not have to be a wild goose chase if you know where to look for the best information.  Remember that your quotes are often subject to change without notice.  Check policy costs often until you are ready to buy.



Posted on

What You Should Know About Your Arizona Homeowners Insurance

Many homeowners don’t spend a lot of time going over their Arizona homeowners insurance when they buy. They look at the yearly premium cost and assume that all policies are about the same. That can be a mistake. There is a great deal of important information on your Arizona homeowners insurance policy, and knowing your rights and responsibilities can save you money and hassle in the long run. Here are four things you should know about your homeowners insurance.

What’s Isn’t Covered

Many homeowners mistakenly assume that anything that happens to their home will be covered by their Arizona homeowners insurance policy from someone like While home insurance covers a lot of things, there are many important exceptions you should know about so you can be prepared. You should study the part of your policy called exclusions. You’ll find things like landslides, power failures, flooding, poor-quality maintenance work, and other related items. Many of these exclusions would be the result of natural disasters that might make you eligible for disaster relief funds from the government, however.

What Is Covered

It’s just as important to know what is covered as what isn’t covered. Many people suffer property losses that are covered by their Arizona homeowners insurance policy, but they aren’t aware that they’re eligible for a payout. If you leave a laptop in your car and it’s stolen, for instance, your auto policy might not cover it, but your homeowners policy might.

You Can Shop For Agents

When you suffer a loss that’s covered by your home insurance, it can be exhausting to collect from an unmotivated agent or adjuster. That can especially be a problem if you’re shopping for policies on price alone. Once you receive a homeowners insurance quote, you can shop around for different agents. One of the best ways to tell if an agent will be prompt and attentive when you file a claim is how quickly they respond to a request for a quote.

You Can Lower Your Rates

Shopping around isn’t the only way to save money on your home insurance. You can get discounts if you take steps to make your home safer. Many companies offer discounts if you install deadbolt locks or a security system, or hardwired smoke and carbon monoxide detectors. You can also have your agent do a safety survey of your property to suggest more ways to improve your property and save additional money on your Arizona homeowners insurance.

Posted on


Congratulations!  You’ve just bought your first home!

And coincidentally, it’s nearly hurricane season!

Chances are, you’re going to want to get your property insured, even if the next superstorm isn’t on its way.  New Jersey homeowners insurance is the best way of helping you keep your assets protected and your family in the green and out of the red.


Good question.  The short answers is because for 99.9% of us, New Jersey homeowners insurance from is the most affordable way to insure our assets and make sure that we don’t come to financial ruin in case of anything from arson to an accident to another superstorm like Sandy.  The longer answer involves loans.  See, when banks or lending companies give you a loan for a home, they generally like you to have home insurance—after all, they’re investing in your “future” now as well.  As such, they generally offer you some selections of their own.  The downside of these options is that they’re generally more expensive than other options out there on the market.

Therefore, in order to maximize your chances of getting the best deal on New Jersey homeowners insurance, you’re going to want to look to the private sector, and do a little research of your own.


Once upon a time, finding quality reviews of services and companies could be difficult.  Word of mouth has and will exist so long as companies do, but that can only travel so fast and so far.  A company originating in Pasadena with utterly atrocious business practices might, in theory, pull up shop and move to the Garden State, to wreak havoc upon Jersey’s unsuspecting public with its high premiums and poor customer service—the horror, the horror!

Thankfully, with services such as Yelp, you can search for not just the best prices when it comes to New Jersey homeowners insurance, but the best actual service as well.  This site features reviews from customers like you, so it’s like word of mouth, but made public for all to see and judge for themselves.  Were they wowed by the company’s politeness and efficiency, or have they left scathing, warning reviews that implore you to never, under any circumstances, use Company X?  Whether their review is akin to “Abandon Hope All Ye Who Enter Here” or “A+++ Service All-Around,” Yelp and other sites provide a valuable resource to those looking to buy New Jersey homeowners insurance.

Posted on

Holiday home insurance tips

Today we decorate for many holidays, not just Christmas. But no matter, when you combine electricity, fabric, cords, dry branches, it is a recipe for potential disaster. It is a fire hazard.  In fact, carriers say that the December holidays are the period of increased claims. Be sure your Ohio home insurance quotes from protect you in the event of a conflagration.


Fire is not top of mind when we put up a Christmas tree, set off fireworks or light some other display for a holiday celebration.  But that’s just when we are careless and a fire can result. Why not think ahead of time with these tips in mind?


Smoke alarms must be installed and you really need to test them each year. Pick a memorable date—January 1 or December 1 and check all alarms to be certain they are in good working order.  A smoke alarm is an inexpensive way to protect your family and your home.


All holiday trees should be placed at least three feet from fireplaces, heat vents and candles. In fact, at least three feet from any source of heat is a good rule of thumb. If you can place it even farther away, that is even better.  Be sure to maintain the tree tray with water to prevent a tree from drying out and becoming a fire hazard.


Purchase fire resistant or flame retardant decorations.  Do not fasten anything with nails that could puncture an electrical cord. Clips are safer.


If you are connecting mini-lights, no more than three should be connected.  If you have bulbs that screw in, do not connect more than 50 of them.  As hard as this might sound, do not place lit decorations on doors and windows.


If you leave the house, turn off tree lights and turn them off when you go to bed. All candles should be extinguished.


Be sure to discard all trees as soon as you can—after it begins to drop needles. That means it is drying out and becoming a fire risk. Do not leave it on the side of the house, place it at the curb.


Your kitchen must be equipped with a fire extinguisher and you should have one in other parts of the house as well. Do you know how to use it? Most of us don’t. Be sure to learn how before it becomes critical. These tips will help you prevent a claim.