How to buy home insurance online?


Buying home insurance online is a process made exceptionally easy and consumer-friendly by the dozens of specialized insurance websites out there. All you need is a computer and a good Internet connection.

There are a few options that you have when looking for home insurance online - you can come across websites urging you to contact their insurance agents, or web pages of different insurance providers.

However, what you should be looking for is independent insurance quote websites, since they are the ones that are most likely to provide objective and unbiased services - connecting you with random insurers that match your search criteria absolutely for free and not recommending any particular insurance companies.

Buying Home Insurance Online - Step By Step

  1. Determine the type and amount of home insurance coverage you need and estimate how much you can afford to pay for it.
  2. Using a search engine, access a few independent websites offering insurance online quote tools.
  3. Fill in and submit the application form, answering questions about your home, your claim history and credit record. You will need to provide information about the type of home, its purchase price, when it was built, number of rooms, type of roof and construction, type of security system, whether any safety features have been installed, a desired deductible amount and liability limits, whether you have filed any claims in the past five years, etc.
  4. You will soon be contacted via phone or email by a number of representatives of different insurance companies. Take down all the details of their home insurance offers and compare them according to coverage, endorsements, exclusions, discounts available, and price. Never sacrifice coverage for cost and always make sure the risk of loss your home is exposed to, is covered.
  5. Last but not least, make sure you check the companies' rating: you should go with a highly rated company that is reliable and financially sound.
Was this question and its answer useful?
Not a bit
  • Currently 5/5 Stars
  • 1
  • 2
  • 3
  • 4
  • 5
Very useful
Have a question about insurance? Ask the experts