How to Get Homeowners Insurance Quotes
- 1). Contact insurance companies directly. Insurance companies that offer homeowners policies in your area can provide quotes to you directly. Companies offer three ways to get insurance quotes. You can visit their websites and enter information about your home and the type of coverage you need, and with a few mouse clicks, you can produce an insurance quote. Many companies also offer local offices where you can drop in, visit with an agent and get a quote on the spot. You can also call each company directly -- usually on a toll-free telephone line -- and speak with an agent to get a quote.
- 2). Ask an insurance broker or agent. Insurance agents who represent specific companies, independent agents who represent a variety of companies and dedicated homeowners insurance brokers can help you get quotes on homeowners coverage. Check with national insurance agent associations like the National Association of Professional Insurance Agents or the Independent Insurance Agents and Brokers of America to find a nearby agent or broker. You can also contact state insurance agent associations to get assistance in finding an agent.
- 3). Check with your state's insurance department. Each state's department of insurance regulates the sale of insurance products within state boundaries and provides consumer information on purchasing insurance. Most state insurance departments also provide tools to help you comparison shop for specific types of insurance, such as homeowners insurance. The Florida Office of Insurance Regulation, for example, offers an online tool to get homeowners insurance quotes and compare rates.
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