How to Compare Home Insurance Quotes Like a Pro (Copy)
Shopping for homeowners insurance shouldn’t feel like guesswork—but many people find the process confusing. With every company offering different coverages, limits, and discounts, comparing policies can feel like comparing apples to oranges. The good news? Once you know what to look for, choosing the right coverage becomes much easier—and much more cost-effective.
Here’s how to compare home insurance quotes like a pro.
1. Start With the Coverage, Not the Price
A low premium doesn’t mean the policy is a good value. Many “cheap” policies leave out essential protections or significantly reduce coverage limits. When reviewing each quote, focus on:
Dwelling coverage (rebuild cost, not market value)
Personal property protection
Liability coverage
Deductibles
Loss of use (living expenses after a claim)
Medical payments coverage
Once you compare coverage side-by-side, the price differences make more sense.
2. Make Sure Dwelling Coverage Equals Rebuild Cost
Your home’s rebuild cost depends on more than square footage—materials, construction labor, style, and finishes all matter. Using a policy with too little dwelling coverage means you could be underinsured after a large loss.
Always compare quotes based on full replacement cost, not the market price of your home.
3. Compare Deductibles Carefully
A higher deductible lowers your premium—but also increases your out-of-pocket cost if you file a claim. Review:
Wind/hail deductibles
All-peril deductibles
Separate deductibles for special risks
Choose a deductible that balances affordability and financial protection.
4. Look Closely at Optional Endorsements
Two quotes can look similar on the surface but differ drastically in available endorsements, including:
Water/sewer backup
Service line coverage
Equipment breakdown
Identity theft protection
High-value item coverage (jewelry, art, collectibles)
Endorsements often cost only a few dollars a month but can save thousands after a claim.
5. Understand Exclusions
Every policy excludes certain types of damage. Compare exclusions closely—especially for:
Flood
Earth movement
Wear and tear
Mold
Pest damage
Knowing what isn’t covered helps you avoid unpleasant surprises.
6. Ask About Discounts
Some carriers offer more discounts than others, including:
Auto/home bundles
Home security systems
New roof credits
Military, educator, or occupation-based discounts
Claims-free discounts
Discounts can significantly impact your final premium.
Final Thoughts
Comparing home insurance quotes doesn’t have to be overwhelming. When you know what to look for, you can confidently choose the protection your home truly needs. If you’d like help reviewing your quotes or want a personalized comparison, Cameron Insurance Agency is here to guide you every step of the way.