Find answers here to frequently asked questions about your cheap homeowner insurance quotes and what they may mean for you.
No time at all! Once you have filled out the basic information on the form, the lenders in our network, who act in competition with each other in order to win your business will immediately respond with a qualified insurance quote for you that you can compare.
None at all. Once you've applied for and received your multiple quotes, you may do with them as you wish or nothing at all, choosing to apply for and accept an insurance policy or disregard all of the offers.
No. All inquiries for the same type of debt, such as homeowner's insurance, which appear on your credit report within a 14 day period only count as a single inquiry, so receiving many quotes in a short period of time - as you will do through this site - will not have that kind of negative effect on your credit.
Then you have nothing to lose by looking for a better rate! There is no cost or obligation for using this site to receive quotes for homeowner's insurance.
If at all possible, you should take steps to improve your credit score before you apply to receive your cheap homeowner insurance quotes in order to optimize your chances of getting a lower rate. Pay down credit card debt and eliminate any collections accounts that may appear on your credit report.
If you have purchased your home with a mortgage, then you most likely do as a condition of your mortgage. The lender who technically owns your home until you have paid off the mortgage will insist on the insurance coverage in order to protect their investment.
Most standard homeowner's insurance policies protect your home and its contents against damage to your home caused by wind, lightning, vandalism, mechanical issues, collisions, fire, theft, and visitors to your property if they are injured and require medical attention. It also provides coverage if your property damages someone or the property of others, (for example if a storm causes a tree on your property to fall over onto your neighbor's car. Homeowner's insurance policies do not provide protection for damage caused by natural flooding (such as a storm or a river overflowing its banks), or for earthquakes. That insurance must be purchased separately.