Finding cheap homeowners insurance in Washington D.
C can be a challenge.
After all, this is a city that routinely ranks in the top five most expensive areas of the country to buy homeowners insurance.
Why are costs so high in Washington D.
C.
? Partly because urban areas are more expensive to insure than rural areas, and partly because of the increased risk for terrorism.
Still, there are ways you can save on your homeowners insurance.
Shop Around for the Best Prices The best way to lower your insurance premium is to comparison shop with different insurance companies.
Premiums from one company to the next can vary by hundreds of dollars a year, so it pays to spend a few minutes comparison shopping.
And with the availability of insurance comparison websites, a few minutes is all it takes to comparison shop for the best price.
Comparison sites give you fast quotes from multiple A-rated insurance companies, allowing you to easily compare quotes and choose the company with the best rate.
All you do is fill out a simple form with information about yourself, the home you are insuring, and your insurance needs.
The best insurance comparison websites even have a chat feature, so if you have questions you can get prompt answers from trained insurance experts.
(See link below).
Ask About Discounts One question you may to ask those experts is what kinds of discounts each insurance company offers.
Discounts directly reduce your insurance premium, so you want to be sure and get all the discounts for which you qualify.
Common discounts include ...
* Auto/home discount * Senior citizen discount * Non-smoker's discount * Discounts for safety features in the home * Discounts for certain building materials By taking a little time to research your insurance options, you may be able to save big when it's time to pay your insurance bill.