You can save time by using an insurance aggregating website such as HomeInsurance.com<\/a> to view multiple quotes at once. You can check the average insurance premiums by state<\/a> as well. However, by taking the time to speak with company representatives individually, you\u2019ll be more likely to receive an accurate quote, based on your credit score, location, type of home, and coverage needs.<\/p>\n Sometimes it\u2019s beneficial to look at surveys of the best insurance companies<\/a>, which are conducted by asking real consumers about their policies and experiences.\u00a0 Consumer Affairs, for example, recently published their list of the Top Ten Best Rated Homeowners Insurance Companies for 2016<\/a>.<\/p>\n The smaller company with the better price may seem more attractive, but it may not be worth it in the long run. Remember, \u201cLarge national carriers are likelier to invest in emergency response equipment and technology, which gives them an edge,\u201d according to Lynne McChristian<\/a>, a Florida Representative for the Insurance Information Institute. While you may pay a little bit higher of a premium, if you choose a bigger carrier, you\u2019re more likely to receive a swift response in a disaster.<\/p>\n When searching for homeowner\u2019s insurance, ask the carrier if they\u2019re willing to bundle your home and auto coverage. Although discounts for bundling will vary by carrier, opening a multi-line insurance policy by bundling your home and auto coverage can save you anywhere from \u201c3 percent to 22 percent,\u201d according to Amy Danise, editorial director of Insure.com in an interview for Equifax<\/a>.<\/p>\n You may have better luck finding the best policy by speaking with an independent insurance agent who\u00a0works with many different carriers. Since they aren\u2019t beholden to any one company, you\u2019ll know they\u2019ll be finding you the best coverage for your particular needs.<\/p>\n Streamline their interview process by having the answers to the following questions ready:<\/p>\n What\u2019s your credit score? What time of home are you insuring? The questions are endless, and at times, finding a homeowner’s insurance policy can feel a lot like an interview. Don\u2019t forget to ask your share of the questions, though.<\/p>\n![\"home-insurance\"](\"https:\/\/www.biggerpockets.com\/blog\/wp-content\/uploads\/2016\/03\/highest-and-best-use.jpg\" "\\"\\"")
<\/p>\nBuy the bundle.<\/h3>\n
Talk to an expert.<\/h3>\n
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Interview the carrier.<\/h3>\n
![\"home](\"https:\/\/www.biggerpockets.com\/blog\/wp-content\/uploads\/2016\/02\/cap-rates-calculate.jpg\" "\\"\\"")
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