Home Owners
Save up to 45% on Home Insurance
Let Connect America Insurance Agency connect you to local homeowners insurance policies from the industry's most trusted companies. Whether you're looking for homeowners, condo, or renters insurance – just contact us by email, phone or fax and you'll get multiple insurance quotes and big opportunities to save.
Whether you have just purchased your first home or are looking to save on an existing homeowners policy, it takes just a few minutes to learn what you need and get quotes. Connect America Insurance Agency provides homeowner insurance important facts and resources to help you understand home insurance. If you already have a good understanding of homeowners insurance, then Connect America Insurance Agency also offers advice on how you can save on home insurance and ways to shop for home insurance.
Once you receive several homeowners insurance quotes, how do you compare quotes to find the best policy for you? Do you go with the affordable homeowners policy or more complete coverage? Let out Connect America Insurance Agents help you choose your home insurance.
The Way to Affordable Homeowners Insurance
Getting an affordable policy for your house requires that you not only understand what goes into a homeowners policy, but that you also understand the value of your own house and what you need to cover your house.
How Much Is Your House Worth?
If you’re a new homeowner, you probably think the amount you paid for the house is the amount you should get covered for. But there are more factors to consider when it comes to a homeowners policy. Connect America Insurance Agency can help you understand the difference between the actual cash value of your house and the replacement cost. Want a hint? Actual cash value factors depreciation into the value of your house, while replacement cost covers the cost of repairing and/or replacing damaged parts of your house, which can be more than the depreciated value. You also need to consider the other property you own in your house, such as furniture, appliances, clothing, and more.
What Are the Risk Factors of Your House?
The type of coverage you need also affects the affordability of your homeowners policy. Connect America Insurance Agency can help you find out what is commonly covered by a policy, and what you may need to get as additional coverage. Do you live in an area prone to hurricanes? Then you will need additional coverage. The same goes for floods. Do you have an old roof that could cause leaks and water damage? That could increase your premium.
Can You Get Discounts?
Yes, you can, and Connect America Insurance Agency can give you information on what those discounts might be. Read about possible discounts for alarm systems and upgrading other safety features in your house. When you need free quotes and the information for finding a truly affordable homeowners policy, turn to Connect America Insurance Agency.
See how much you could save today on your home insurance. Get your free home insurance quotes today from Connect America Insurance Agency!
Shop for Home Insurance
You shop around for the best deal on a car or even a new suit. Being a savvy homeowner also means knowing how to shop for the best deal on your home insurance without sacrificing the coverage you need. Get the home insurance facts.
Learn about what low cost home insurance offers and what it does not, how to get a free home insurance online quote and compare multiple quotes from competing insurance companies, and what you may want to spend on extra coverage today to ensure you’re not out-of-pocket down the road.
Whether you’ve owned your home for years or are a first-time buyer, being an informed shopper empowers you to compare and choose the right insurance company. Find the company that offers both the coverage you need and the right price.
Can I shop for homeowners insurance on my own?
You can and you should. Homeowners insurance is a lot easier to shop for than a mortgage because premiums change only occasionally, so the price you are quoted is very likely the price you will pay. Shoppers should be aware that carriers use different risk evaluation systems. So if you get a quote from one insurance company, you are likely to get a different quote from a competitor.
There are a number of insurers available that will quote you the price of a standard packaged policy, but not all of these insurers are quoting you apples to apples. A standard, broad form insurance policy issued by one insurance company can be very different from the same broad form insurance policy offered by a competitor. Each insurance company "packages" its policy - there are a variety of ways in which an insurance company can put together their package including their underwriting criteria and standards, and customer service. The principal factors you must try to hold constant in soliciting quotes from different carriers are the deductible and the coverage.
Shop for Home Insurance Deductable
The deductible is the loss amount that is the homeowner’s responsibility. Only losses above that amount are insured. Higher deductibles carry lower premiums.
Shop for Home Insurance Coverage
The coverage dictates the maximum loss the policy will pay. There are four levels of coverage, called "actual cash value" (lowest coverage), "replacement cost", "extended replacement cost", and "guaranteed replacement cost" (highest coverage, but not necessarily available). Higher coverage carries higher premiums.
See how much you can save today on your home insurance. Get your free home insurance quotes today!
You may complete the form below or call us at 1-888-831-1233 or locally 904-731-7922 to get choices and options on your homeowners insurance.