How to Compare Home Insurance Premiums

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Comparing home insurance premiums requires you to keep a few very specific things in mind. Compare home insurance premiums with help from a public insurance adjuster in this free video clip.

Part of the Video Series: Home & Business Insurance
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Video Transcript

Hi, I'm Dan Odess. I'm an insurance public adjuster, and I'm here to talk with you about how to compare home insurance rates for eHow. Home insurance rates, well, it's tricky business. There's lots of moving pieces, and it's very important that you take everything into consideration. When reviewing your insurance rates or proposals from your insurance agent, make sure that you both look at, not only the deductible, but also the coverage. Coverage A: Coverage A is your dwelling. Very important to make sure that that dwelling number is at a rate in which, in the event that you have a large loss or a total loss, that you'd be able to recover and rebuild after that loss has occurred. Coverage B, C, and D: Although they might be smaller amounts than your coverage A, it's very important to take the time to review those coverages to make sure that you do have adequate coverage for things like loss of use. That's the amount that you're going to have to get paid while you're outside your home in the event of that total loss. Then you have other structures. Other structures would be your, you know, detached structures like a cabana, something in the back. Making sure that you have coverage for those things is important. A lot of insurance policies do exclude it. So, if you're comparing one policy to another, make sure that they both have it, or if you don't need it, it's not there, and therefore, you're not paying too much for it. So, important things to remember, check your discounts. Make sure you got the adequate coverage A. Make sure you got enough for your loss of use and your contents. And last but not least, if you want those other structures or not, check those for sure. So, thank you very much for tuning in, and tune in with us again here to learn more about insurance.


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