#My life as small pet playset plus#

Now that I know how much I can save by jumping through a few hoops and submitting some paperwork, I think I'm ready to make the switch.We use cookies and similar tools that are necessary to enable you to make purchases, to enhance your shopping experiences and to provide our services, as detailed in our Cookie Notice. However, my Allstate homeowners insurance policy is set to expire at the end of August 2023, and I decided I will reach out to agents at Liberty Mutual and Progressive at that time to get quotes for all the coverages I need in a few months.Įither way, this experience reminded me of something I was already sure of - that taking the time to compare insurance rates can be well worth the trouble. I'm holding off - for nowĪt the end of the day, the prospect of saving up to $900 wasn't enough to get me to switch policies in the middle of my own coverage term.

Other policy details I was offered through Liberty Mutual made their coverage very similar to what I have had through Allstate, but at a cost that is almost $900 less without factoring in the costs of securing an auto policy and umbrella policy at the same time. Truth be told, I was more intrigued by the homeowners insurance quote I received from Liberty Mutual, which came with $659,500 in dwelling coverage (replacement cost coverage) and $494,630 in protection for personal property with a $1,500 deductible for typical perils as well as windstorms and hail. However, the lowest cost coverage I was offered came through Progressive, and I would have to settle for some lower dwelling coverage amount of $574,919 and a lower personal property coverage amount of $287,460 to lock in that price. Ultimately, I found that switching homeowners insurance companies could help me save as much as $900 per year. Next Steps: Get customized quotes for any home value online with Insurify. Worse, there was no way to tweak the amount of suggested coverage to see what premiums would look like with a higher amount. For that reason, the quotes I was offered through the platform were pretty much useless. Since I purchased my Central Indiana home for $389,000 in August of 2020, I knew that amount of coverage wasn't even close to what I needed. That was my original plan for this comparison, but I was pretty dismayed to find all the quotes offered through The Zebra suggested a dwelling coverage amount of just $189,600. Note that you can also use a homeowners comparison site like The Zebra to compare several homeowners insurance quotes in one place. Instead, I got quotes easily online by providing information on the home I own and the types of coverage I currently have and want to emulate in a new policy. I didn't have to talk to an insurance agent or answer a bunch of personal questions to find out how much coverage costs. The first thing I noticed about getting homeowners insurance quotes is the fact it is so incredibly easy to do online.

#My life as small pet playset plus#

The chart below shows the amount I was quoted for each of the companies I reached out to, plus an overview of the coverage amounts and deductibles I was shown. See Insider's picks for the best homeowners insurance » Finding out what coverage I could get

Amazingly, I found I could be saving more than $900 per year if I was willing to change companies. Ultimately, I decided to get quotes from four different insurance providers that are popular in my area - Progressive, State Farm, GEICO and Liberty Mutual. With that in mind, I decided to shop around for homeowners first and foremost, then use the quotes I received to decide if making the switch might be worth it - or not. We have also had a $2 million umbrella insurance policy for the last few years, which complicates matters even more.īut in recent years, we've sold our two rental properties, so we're back down to the basics of homeowners insurance, auto coverage, and umbrella insurance. Plus, I not only had my primary residence insured with Allstate, but also two rental properties and a car. I've definitely had the chance to save money by switching providers over the years, but I've never found a big enough discount to go through all the trouble. I have been an Allstate homeowners insurance customer for more than 20 years, and that's despite the fact I have shopped around for new coverage options several different times. By clicking ‘Sign up’, you agree to receive marketing emails from InsiderĪs well as other partner offers and accept our