Take the Time to Comparison Shop
Getting multiple quotes is an important part of saving money on your insurance premium. And a great way to get multiple quotes is through an online matching service like InsureMe. By entering your information into InsureMe's quote application, you will get matched with local insurance agents who can help you find the best policy available.
Do Your Research
You can get the lowest homeowners insurance premium out there, but it will do you no good if the insurance company goes out of business when you make a claim. That is why it is a good idea to conduct your own research of the insurance company and policy you plan to buy. Some great resources for doing this are your state department of insurance, the Better Business Bureau and A.M. Best. The state department of insurance has information available on licensing status, as well as actions taken against insurance companies by the state. Check with the Better Business Bureau and A.M. Best for information about consumer complaints and the financial status of insurance companies.
Find an Insurer You Can Stay With
If you can find a homeowners insurance policy with a solid, well-known company, you can stay with that company for many years. This may enable you to qualify for a discount on your premiums.