Homeowners Insurance

Finding the best homeowners insurance to keep your home or business secure

Comparing homeowners insurance rates is the first steps in protecting your home, home-based business or the homes of your clients.  You'll be ready to select the best homeowners insurance plan for your family, your business and your budget once you have secured homeowner insurance quotes from a few reputable companies. Not only are you protecting yourself by getting several quotes and examining all plans meeting your criteria, you are protecting an industry from theft, damage, destruction and crime.

Homeowners insurance can be a fickle friend with so many choices, policies and laws governing insurance, so help your clients by offering the best insurance policies available. Protect your home-based business with a solid home insurance plan or include business protection in your existing home insurance policy.

1. Offer the best insurance

2. Protect your home-based business

3. Include business protection in your plan

 

Check homeowners insurance ratings and coverage

Decide on a secure, smart and highly rated insurance company to work with in providing high-quality, solid home insurance to your clients. To check out an insurance company you are interested in use references and home insurance comparison. Homeowners insurance quotes are available at most every homeowners insurance company sites, homeowners insurance rates are also available with agent consultations.
Try: AIG Direct offers a home insurance plan called HomeSite, which provides insurance to home owners, renters and condo owners. Allstate has been around since 1931 and offers many different plans to accommodate the housing situations of your clients. They also offer discounts for certain situations. Print out policy information for a homeowners insurance comparison.

Protect your home-based business with the best homeowners insurance

Homeowners insurance will cover a large gamut of the things that can happen to jeopardize your home-based business, like burglary, fire and flood, but it may not be enough. The average homeowners insurance policy covers $2500 in business equipment while at home and only $250 when off the premises.
Try: Wells Fargo offers a Business Owners Policy that can be customized to fit the needs of your business. The coverage includes property protection and various liabilities coverage. Nationwide Insurance also offers a great small business owner's insurance policy which also includes crime coverage.

Include business protection in your homeowners insurance plan

Protect your business assets, equipment and profits with an insurance rider on your homeowner insurance. There are an assortment of riders to choose from including limited liability and limited coverage for loss of valuable documents.
Try: Add an endorsement to your homeowners policy. For around $20 a year, you can double your coverage and extend the liability coverage. With the AARP's Auto & Home insurance program from The Hartford, consider an in-home business insurance policy, which can mean the difference between a destroyed laptop and no laptop. Check out homeowners insurance ratings through various service providers listed on FreeAdvice.com.

 

• When insuring a home-based business, make sure to research federal and state level laws regulating homeowner's insurance in your state and on a federal level to find any loopholes or problems that could arise should you need to file a claim.

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