Home Insurance Quotes

You need to make sure you protect your home and its contents from any foreseeable disaster. After all, your home is not just your castle but likely one of the most significant investments you will ever make. Finding the right home insurance can be challenging, but with the right guidance, you can secure affordable coverage that protects your biggest investment. Learn how to get the best home insurance quotes tailored to your needs.

How to Get a Quote

Getting a home insurance quote through Citizens Insurance is straightforward. Enter your zip code, and answer a few simple questions. Once you submit your application, you’ll be matched with up to ten rate quotes, making it easier than ever to find the right coverage at an affordable rate.

On our website, Citizens Insurance, we can assist you in finding the right Home Insurance policy for your needs. Securing the right coverage for your home with the help of Citizens Home Insurance can provide full protection for your investment. You should carefully consider the type of coverage you buy and the policy limits. Using our insurance comparison tool, you can get our Citizens Home Insurance quotes to insure your home at an affordable rate and easier than ever.

How To Save on Home Insurance Coverage 

Let’s take a close-up look at ways to save on homeowners insurance coverage while getting the right policy for you. Our Citizens Homeowners Insurance tool can assist you in obtaining affordable coverage and solid protection, whether you live in Michigan, Ohio, Florida, California, New York, Illinois, or any other state in the United States.  

To save more on home insurance:

• Raise the deductible – many people choose a $1,000 deductible. A deductible is simply the amount you are required to pay before the insurance pays out after a claim is filed. Raising it to $2,000 can lower your premiums by 5% or more.  
• Bundle Auto and Home – bundling is one of the best ways to save money on homeowners insurance. You can save around 5% by bundling your homeowners and automobile coverage with one insurer.  
• Install advanced security devices – In recent years, millions of homeowners have installed affordable video-based security systems that can provide 24/7 surveillance and which link directly to the police. Installing additional deadbolts on all doors and installing sprinkler systems can help you get cheaper rates.   
• Make your home more resistant to disasters – You can lower your premium cost by installing shatterproof glass and shutters. If you live in an earthquake-prone area, such as California, having the foundation of your home reinforced can earn you a nice discount.
• Shop Around – Use comparison sites like our Citizens Home Insurance that will give you up to ten quotes for the coverage you are looking for. Make sure to check any company’s financial health with services like A.M. Best before buying a policy.     
• Consider Group Coverage – If you work with a large employer, chances are they will have a group insurance program. If so, you can often save 10% or more.     

Average Home Insurance Cost

Home insurance costs continue to trend upward, especially in Florida, where natural disasters are more common. In the last decade alone, the average home insurance cost has risen by about 50%. In recent years, rates have gone up, especially in areas prone to natural disasters like Florida. The current national average policy cost is now over $1,200 per year in the U.S. This average breaks down to about $100 per month.  

Keep in mind that this is just an average of all 50 states in the USA. Some states have barely increased at all, while others, like Florida, have almost doubled. Florida’s rates have grown a great deal due to several catastrophic hurricanes that caused billions in damages. Also, there’s been an increase in sinkhole disasters in the Sunshine State. These catastrophes have caused rates to spike in some areas more prone to sinkholes.

Florida Residents Pay More for Homeowners Coverage

Many insurers were either forced to raise rates in the Florida market or pulled out altogether due to heavy losses. Louisiana and Texas car insurance premiums are 40% or more above the average. Louisiana has seen an increase in rates due to Hurricane Katrina and other natural disasters. Residents in coastal areas with a recent history of costly storms have seen the most significant increases in pricing over the past few years.

There are still some states that have meager average homeowners insurance rates. Idaho residents pay an average of only $50 monthly, and Utah residents only pay $783 per year or about $65 per month. This figure is about 40% of Florida residents’ average premium cost. Many Midwestern states like South Dakota and Michigan also have cheaper homeowners costs. Get free home insurance quotes today, and compare multiple rates in a matter of minutes.

Getting the Best Home Insurance Coverage

When selecting homeowners insurance, it’s crucial to evaluate these four categories:

• Company’s Reputation: Study reviews and complaint records
• Coverage Options
• Pricing
• Claim history
• Insurer’s Financial Stability

Purchasing insurance means trusting the company you are doing business with, which should have sufficient funds to cover your claims should they occur. Hence, choosing a reliable home insurance company is as crucial as selecting the right coverage. 

Perform thorough research on any potential insurer. Utilize resources like A.M. Best to assess each company’s financial strength, aiming for a B rating or higher. Avoid insurers with a D or lower rating.

While a B rating might suffice for auto insurance, the stakes are higher with home insurance, encompassing your home and its contents. It makes sense then to be extremely careful when deciding on a carrier. Prioritize financially sound companies, have at least a decade of operational history, and a solid claim history.

Home Insurance Considerations

The coverage you buy should cover the actual cost of replacing your home in case of a total loss. For instance, let’s say your home is appraised at $300,000, but rebuilding costs are estimated at $325,000 if a total loss occurs. So, your policy should reflect this. You also need to take a proper inventory of your home contents and their total value for accurate coverage. It’s also a good idea to take a digital camera or film each personal asset you plan on adding to your policy.

In flood-prone areas, such as Florida, consider adding flood insurance to your policy, available through FloodSmart.gov or an agent.

If you are moving and are considering several options to buy, get a home insurance quote before you decide. At our Citizens website, you can get an online quote in about five minutes using your smartphone, or call toll-free for assistance from a licensed agent.

Considering Pricing Is Crucial

Rates can vary significantly between each company. The best way to find the lowest rates is by getting a free online quote. It’s important to compare several quotes to get the most affordable price for the coverage you need. Compare rates online and choose the companies offering the cheapest rates. Get your quote now and start comparing home insurance quotes in minutes. 

Once you have found a company that offers both low prices and strong financial strength, do a few more minutes of research. Check if the company has a user-friendly website that supports online payments and provides claim status updates. Review the company’s claim response reputation through research organizations like J.D. Power. Some carriers have 24/7 customer service and immediate claim processing. This can be incredibly valuable in emergencies, such as needing immediate assistance after a tornado at 3 AM.

Maximize Your Savings with Eligible Discounts

You can achieve significant savings by bundling your home and auto insurance policies with the same provider. Installing alarm systems and fire detectors can lead to further discounts. Adding fire-resistant materials to your home can also reduce costs. 

Taking advantage of discounts can help you save hundreds per year. When comparing home insurance quotes, you can easily identify and apply for various discounts, potentially saving you hundreds.

Now that you’re equipped with the knowledge to purchase quality coverage, it’s time to compare side-by-side quotes from top providers by using our Citizens Home Insurance comparison tool. Check out the best rates for the coverage you need and lower your home insurance costs.