FAQ

Do you still have some questions about getting low rate home insurance quotes from our company? We know getting home insurance can be a complicated process, but we strive to make it as easy as possible for our visitors. Here are answers to some of the most frequently asked questions we receive:

Do I have to take out a home insurance policy?

While home insurance is usually not explicitly required by law, it's always a good idea to have it. Keep in mind, if you're financing your home, your lender may require that you have a home insurance policy that meets their specific standard. This way you don't end up paying thousands of dollars on a mortgage if your home is ever seriously damaged.

What is covered in my home insurance policy?

Every home insurance policy is different and can be adjusted to cover certain aspects. Usually, you'd want a policy that covers damage caused by lightning, fire, windstorms, snow, and other environmental issues. You might also want a policy that covers theft and replaces any stolen items.

What about floods and earthquakes?

In most standard home insurance policies, floods and earthquakes are typically not covered. Of course, you can still get coverage for them if your home is in a high risk area.

What if I rent my home?

For renters, you probably won't be required to have home insurance for the property, as your landlord should have it. However, you may need renter's insurance. It's usually less expensive than home insurance, covering only your possessions and liability.

Should I buy replacement or actual-value coverage?

This is a decision that the homeowner must ultimately make, but make sure you understand the difference between the two. Replacement coverage pays you the money to repurchase damaged or stolen items, while actual cash value coverage pays you whatever the item is currently worth. In almost every case, replacement coverage is more reliable and offers more protection.

Do you sell home insurance?

We are not actually a home insurance company, rather we act as a satellite for some of the major home insurers. Our free service hunts down hundreds of low rate home insurance policies for visitors and refers them to the proper insurer.

Is it safe to buy home insurance online and get quotes?

Absolutely. Our network and website goes above and beyond in protecting our visitor's personal information.