Frequently Asked Questions and Answers for Home Insurance

It could happen that you own a new home and want to insure your home, but you don’t know the insurance market and you have questions that you don’t know the answers to. For this reason, we create this page that contains the most frequent questions and answers for those looking for a home insurance.

The first thing you can do is to follow the advice of an insurance broker, but at the same time, you should also have some elementary knowledge of the insurance world. For this reason you can also consult the home insurance glossary, which contains the meaning of the most used terms in the industry.

Here are some frequently asked questions and answers for homeowners.

Q.1 How can I find the right insurance for my home?

Answer: Internet is the best option to get the main information. You can find home insurance online, consult different quotes and do a comparative study to get the best deal.

Q 2. How do I find the best home insurance rates?

Answer: In order to find the right insurance rate for the home, it is not necessary to stop at the first estimate, you need to have at least 4-5 of them and compare them. It is advisable to contact all insurance agents or local intermediaries to know their conditions regarding their coverage area. You can also request an online home insurance quote. A comparison of all the information collected will help you a lot to find the best insurance rates.

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Q 3. How does the security of my home affect home insurance?

Answer: A portion of the home insurance agencies are related with security organizations. For example, if you install a security system such as intruder alarms, video camera, fire alarms and anti-theft locks to ensure greater security, the insurance companies will give you discount on home insurance rates.

Q 4. How is smoking connected with premiums?

Answer: Smoking is a major cause of residential fires. If all family members are non-smokers, some insurance companies offer cost savings.

Q 5. Can I get discounts if I’m retired?

Answer: Yes, of course it is possible. Some insurance companies offer home discounts for seniors. Recently, some municipalities have provided free insurance against home theft. If your age is over 55 and you are a pensioner, then you will almost certainly have a discount of 10 to 15 percent.

Q 6. Can buying more than one insurance policy with the same company help you get discounts?

Answer: Buying home insurance and buying car insurance from the same insurance company will certainly help you get insurance at a lower price.