How to Compare Home Insurance Quotes

home insurance quotes ct

Home insurance quotes in CT can vary widely. Not only can your monthly or annual premium change based on the policy you choose, but the type of coverage and deductible may also be different as well.

Don’t be tricked by slick marketing tactics. Just because something is cheaper monthly doesn’t mean it’s the best plan for you. Learn how to choose a policy and look at these factors:

Coverages

Some home insurance policies only cover the basics and others pretty much cover everything. Depending on where you live and what risks you want to cover, you may need different levels of coverage. Be sure that when you get home insurance quotes in CT, you compare apples-to-apples when it comes to what the policy insures against.

Deductible

The deductible on your policy is the amount you pay if you need to file a claim. If you don’t have much of a nest egg, you may need to choose a lower deductible. However, if you have significant savings, you could lower your monthly premium with a higher deductible.

Monthly Premium

While coverages and deductibles matter, you shouldn’t choose a policy that you cannot afford each month. Understand your monthly budget and make sure to find a plan that fits your needs.

When you compare home insurance quotes in CT, you need to know what you’re comparing. Be sure to know the coverages, deductible, and premium you need.