A lot of people put the same at risk because they don't take note (or care) of a good number of things.
You'll do well not to make that same mistake, read through this article and do your best to safeguard your home with the recommendations here...
1.
There are exclusions in your home insurance policy.
Do you know them? Note that you'll not get compensated for things that are excluded from your policy.
So before you settle for a great rate make sure it does not exclude something that might compromise you down the line.
However cheap a policy is, it loses its meaning if it doesn't give you enough coverage.
Before buying make you know what is covered to avoid unpleasant surprises.
2.
Low rates, while attractive, must not be settled for without checking the insurer's rating.
Few things can be worse than discovering that you paid premiums faithfully to the wrong insurer only when you file a claim.
Spend time to find out from your state's department of insurance website.
Find out from them whether your preferred insurer is licensed to sell home insurance and also if they are in good standing.
Independent bodies like BBB, A.
M Best Company, Standard & Poor's Insurance Rating Services, Moody's Investor Services, Inc.
will also help you determine if an insurer is worth it.
But before you do, this get and compare quotes from five or more sites.
It's easier to do the checking after you've picked the best rate quotes.
Doing it the other way round is too time-consuming.
So save yourself a lot of time and money.
Get, compare and shortlist the best quotes before you start investigating the insurer.