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Finding Enough Insurance Coverage

When it comes to making sure that your home and family are safe and sound, few things are as important as choosing the right insurance plan. About six months ago, my home burned to the ground, and without the right insurance plan, we would have been toast financially. Fortunately, because we had prepared properly, we didn't have any problems when it came to making sure that we could rebuild our place. This website is here to help anyone who might be struggling with which insurance policy to choose. Check out this blog for great information on finding the perfect policy.


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Finding Enough Insurance Coverage

Four Ways Timing Can Impact Your Homeowners Insurance Quotes

by Jason Prescott

There are many factors that can impact homeowners insurance quotes -- but did you know that the timing of your application could factor in as well? In general, it's usually important for you to get insurance as soon as possible. But you might want to consider the timing if you're getting higher-than-average quotes.

You Just Purchased a Home

Those who just purchased a home can usually get discounts on their first homeowners insurance policy. First-time homeowners are often courted by homeowners insurance companies because they know that people are more likely to stay with a homeowners insurance policy for a long time. Thus, when you've just purchased a home is usually the best time to get insurance -- not later on.

You Haven't Had Homeowners Insurance for a While

If you haven't had homeowners insurance for a while, you're very likely to have high quotes coming your way. This isn't because the insurance companies deem you irresponsible -- it's because they're dealing with an unknown quantity. Because you haven't had homeowners insurance in a while (or ever), they can't determine whether you'll have frequent claims or whether you may be a higher-than-average risk.

You Are in a Seasonally "Unsafe" Zone

There are some zones that are considered to be more unsafe during certain parts of the year. For instance, Florida during hurricane season -- or Oklahoma during tornado season. To dissuade homeowners from getting insurance quotes just before these seasons hit, insurance adjusters may make premiums a little more expensive during this time. It's better to get insurance during the off season, as it'll lower your insurance overall.

You Just Made a Major Purchase

Besides a home, making major purchases just before getting an insurance quote -- such as a vehicle -- could impact your premiums. Why? Because major purchases are financed... and financed purchases go on your credit report. While it may not necessarily seem fair, your homeowners insurance policy (and all your other policies, too) calculate their risk based on your credit score. If you've made a move that can impact your credit report, you might want to wait before switching insurance companies.

If you have any questions about timing and your insurance premiums, you may want to consult with an independent insurance broker. They can give you expert, third-party advice regarding the best times of year to get a policy and how to reduce the cost of your current policy.