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Looking to save a bit more money on your homeowner insurance quote in Maine for your house, condo, or mobile home? Homeowner insurance coverage in Maine is one of the most affordable insurance rates in the U.S. The cost of annual premiums is in the range of $561 to $573.

The lower premiums are due to the fact that Maine experiences relatively few natural disasters and, as a consequence, lesser weather-related damage. Sadly, however, because the state is not disaster-prone, not all residents see the importance of getting homeowner insurance in Maine.

Just by the very reason that the premiums are affordable, there is no reasonable excuse not to get even a basic policy. Mortgage lenders, for example, would not put at risk their investment in a property that has yet to be paid off, so they will not approve loans without homeowner insurance that meets their specific requirements.

The standard homeowner insurance policy in Maine provides coverage for perils such as weather damage, including ice and snow storms which are common in the state during winter, and wind damage caused by occasional hurricanes especially in coastal areas. Also included in the basic policy is Liability and Medical Expense Coverage in case of physical injury and property damage to other homeowners.

While the standard policy may seem sufficient to cover damages caused by weather, fire, vandalism, or theft, there are special coverage that could be added to the basic policy to ensure greater protection.

These extra coverage are:

· Flood Insurance – Which is purchased as a separate policy from the insurance provider or from the National Flood Insurance Program

· Earthquake Insurance – Although earthquakes are rare in Maine, one could get this special coverage added to the basic policy at an extra cost

· Personal Property Riders – Covers personal belongings of exceptionally high values. Coverage for certain items, such as jewelry, is limited up to a fixed amount. If the value of the item exceeds this limit, the homeowner would have to shoulder the excess cost if the item is lost and needs to be replaced. It may be necessary to shell out more money in order for valuable items to be adequately protected.

· Umbrella Liability Coverage – Provides additional liability protection for homeowner and car insurance coverage

Despite the low cost of premiums, homeowners still consider ways on how to lower their insurance rates. This could be accomplished by comparing quotes from various insurance providers in the area and then buying a policy from just one company that could provide the right coverage at the premium that the homeowner could afford. Another way is by increasing the deductibles in the policy, but this measure could backfire on the homeowner if he sets the deductibles too high so that he ends up shouldering the greater financial burden in the claim. A third way of lowering premiums is by installing protective devices and security alarms in the home.

While Maine may seem like a natural calamity-free state, disasters could still come in other forms such as fire, theft and vandalism. Why put the home at risk? It is best to get homeowner insurance in Maine in order to protect one’s investment in his or her own home. Such a large portion of our time and money goes into your home, it is smart to cover it as well as you can afford to.

 

Find  homeowner insurance rates in each of these Maine cities

Auburn – Augusta – Bangor – Bath – Belfast – Berwick – Biddeford – Brewer – Brunswick – Buxton – Cape Elizabeth – Caribou – Cumberland – Ellsworth – Fairfield – Falmouth – Farmington – Freeport – Gardiner – Gorham – Gray – Hampden – Houlton – Kennebunk – Kittery – Lewiston – Lisbon – Old Orchard Beach – Old Town – Orono – Portland – Presque Isle – Rockland – Rumford – Saco – Sanford – Scarborough – Skowhegan – South Berwick – South Portland – Standish – Topsham – Waterboro – Waterville – Wells – Westbrook – Windham – Winslow – Winthrop – Yarmouth – York

Homeowner insurance in Maine provides coverage in the event of damage to your property from theft, fire, floods, and natural disasters as well as protects you from liability for injuries or damage caused to people on your property. The right homeowner insurance plan  can help you make the best choices about this important protection for you and your family. Get free quotes on homeowner insurance in Maine above.

 

For people looking to get a homeowner insurance quote in Maryland for a house, condo ,or mobile home, you have come to the right place. Homeowner insurance coverage in Maryland is one of the pricier insurance rates in the country. The range of annual premiums is from $639 to $721.

There are three factors that have contributed to the higher homeowner insurance rates in the state. These are:

· High population density – States with a larger population tend to have higher insurance premiums because the occurrence of disasters such as fire would lead to greater damage on account of homes being built closer together.

· Proximity to the coast – Properties near the coast are at great risk for flood damage.

· Proximity to Washington, D.C. – Homeowners of Montgomery County situated along the Maryland-Washington, D.C. border pay higher insurance premiums compared to other cities and states in the state.

Because the coastal areas and certain parts of Maryland are prone to floods, a homeowner should invest in flood coverage. A flood rider could be added to the basic policy at extra cost. The better option, however, would be to get a separate policy from the National Flood Insurance Program which has better terms in comparison to flood coverage offered by private insurance companies.

Before purchasing a homeowner insurance policy in Maryland, it is advisable to compare the rates of various insurance providers in the area. Once an insurance company has been selected, the next step is to work with their agent in coming up with a policy that would meet the homeowner’s coverage requirements and financial budget.

The standard Maryland homeowner insurance policy consists of the following components:

· Coverage Amount: The face value of the policy, this is the amount that the homeowner will receive if his or her property is destroyed.

· Liability Coverage: Provides protection from lawsuits or claims resulting from bodily injury or property damage which the court deems the homeowner and his household are responsible for.

· Deductibles: This is the portion of the claim that the homeowner must pay out of his or her own pocket.

How much coverage do I need?
Upon discussion with the insurance agent, one could minimize premium costs by taking into account the above mentioned components. In the case of the Coverage Amount, it is the rule of thumb of homeowner insurance applicants in all states not to insure the property for its real estate value (which includes the value of the land on which the home is built). The home should be insured at the cost of rebuilding the home at current market prices. Liability Coverage could be kept low by buying, instead, larger umbrella liability coverage. Premiums could also be kept at a low cost by setting deductibles as high as the homeowner could afford. The danger, however, to a high deductible is that the homeowner may eventually end up paying for the greater cost of repairing and rebuilding the home, instead of letting the insurance company cover the heavier financial burden.

When it comes to homeowner insurance in Maryland, one should not forget to inquire about discounts which could lower premiums by up to 20%. One way to qualify for discounts is by installing fire alarms and security devices such as burglar alarms and deadbolts to doors and windows.

Find  homeowner insurance rates in each of these Maryland cities
Aberdeen – Accokeek – Adelphi – Andrews AFB – Annapolis – Arbutus – Arnold – Aspen Hill – Ballenger Creek – Baltimore – Bel Air – Bel Air North – Bel Air South – Beltsville – Bennsville – Bethesda – Bladensburg – Bowie – Bowleys Quarters – Brooklyn Park – Burtonsville – California – Calverton – Cambridge – Camp Springs – Cape St. Claire – Carney – Catonsville – Chesapeake Ranch Estates-Drum Point – Cheverly – Chevy Chase – Chillum – Clinton – Cloverly – Cockeysville – Colesville – College Park – Columbia – Coral Hills – Crofton – Cumberland – Damascus – Darnestown – Dundalk – East Riverdale – Easton – Edgemere – Edgewood – Eldersburg – Elkridge – Elkton – Ellicott City – Essex – Fairland – Fallston – Ferndale – Forest Glen – Forestville – Fort Meade – Fort Washington – Frederick – Friendly – Frostburg – Gaithersburg – Garrison – Germantown – Glen Burnie – Glenarden – Glenn Dale – Greater Landover – Greater Upper Marlboro – Green Haven – Green Valley – Greenbelt – Hagerstown – Halfway – Havre de Grace – Hillcrest Heights – Hyattsville – Jessup – Joppatowne – Kemp Mill – Kettering – La Plata – Lake Arbor – Lake Shore – Langley Park – Lanham-Seabrook – Lansdowne-Baltimore Highlands – Largo – Laurel – Lexington Park – Linganore-Bartonsville – Linthicum – Lochearn – Londontowne – Lutherville-Timonium – Marlow Heights – Marlton – Maryland City – Mays Chapel – Middle River – Milford Mill – Mitchellville – Montgomery Village – Mount Airy – Mount Rainier – New Carrollton – North Bethesda – North Kensington – North Laurel – North Potomac – Ocean City – Ocean Pines – Odenton – Olney – Overlea – Owings Mills – Oxon Hill-Glassmanor – Parkville – Parole – Pasadena – Perry Hall – Pikesville – Potomac – Randallstown – Redland – Reisterstown – Riverdale Park – Riverside – Riviera Beach – Rockville – Rosaryville – Rosedale – Rossmoor – Rossville – Salisbury – Savage-Guilford – Severn – Severna Park – Silver Spring – South Gate – South Kensington – South Laurel – St. Charles – Suitland-Silver Hill – Takoma Park – Temple Hills – Towson – Travilah – Waldorf – Walker Mill – Westminster – Wheaton-Glenmont – White Marsh – White Oak – Woodlawn – Woodmore

Homeowner insurance in Maryland provides coverage in the event of damage to your property from theft, fire, floods, and natural disasters as well as protects you from liability for injuries or damage caused to people on your property. The right homeowner insurance plan  can help you make the best choices about this important protection for you and your family. Get free quotes on home owner insurance in Maryland above.

 

Trying to save some money on a homeowner insurance quote in Massachusetts for your condo, house, or mobile home? That seems to be a pretty hot trend right now. Homeowner insurance coverage in Massachusetts is ranked No. 8 among the states that have the highest average insurance rates in the U.S. The annual premiums are approximately $925.

The high premiums are due to the high property values in the state on account of its rich historical heritage and the fact that buying property in Massachusetts is a lucrative long-term investment for the homeowner.

Thankfully, Massachusetts insurance laws do not require residents to get homeowner insurance. However, even if the home is brand new and not an older residence with historical value, a homeowner insurance policy is the only way to protect this most valuable asset. And the cost of paying monthly or yearly premiums is relatively cheaper in comparison to the complete financial ruin that is sure to occur when disasters strike.

The standard homeowner insurance policy in Massachusetts consists of five types of coverage…

· Real Property Damage:  Provides coverage to the complete structure of the home as well as detached properties such as garages and sheds

· Personal Property Damage:  Covers damages and losses to personal belongings. Personal Property Damage Coverage is usually half the value of the home. So, if the home is insured for $200,000 the Personal Property Damage coverage would be $100,000. For homeowners with valuable personal belongings, such as jewelry or collections of rare stamps and coins, the value of these items should first be determined through a professional appraisal and then placed under a higher level of coverage at extra cost.

· Additional Living Expense:  Provides the necessary living expenses for a homeowner and his/her household to continue enjoying a normal standard of living while the home is being rebuilt or repaired. These expenses would cover apartment rental or motel accommodations, food and clothing.

· Liability:  Covers lawsuits and claims resulting from bodily injury or property damage that is inflicted upon another person and his property by the homeowner and/or any member of his household, including pets

· Medical Payments:  Covers the medical expenses of individuals who are injured on the homeowner’s property

Like the other states in the U.S., the standard policy does not include earthquake or flood coverage. Both of these special riders can be added to the basic insurance plan at extra cost. However, if one wants better flood coverage, the best option is to apply for a separate policy from the National Flood Insurance Program.

Because of the high cost of premiums, many homeowners are considering measures on how to lower their rates. This could be achieved by first getting comparative quotes from insurance providers in the area and then purchasing a policy from the one company that could give the needed policy at the premium that the homeowner could afford. Discounts in premiums could be gained through getting other types of insurance from the same company, such as life and car insurance. Another way is by increasing deductibles, although this measure may backfire on the homeowner if he sets the deductibles too high so that he ends up shouldering the greater financial burden in the claim. One sure fire way of lowering premiums is by installing protective devices and security alarms in the home.

Some homeowners may not be able to get an insurance policy from a private insurance provider for reasons including low credit score or the property is located in a disaster-prone zone. But all is not lost. After three rejections, one could apply for a policy with the Massachusetts’ FAIR Plan. Through the FAIR Plan, one could get homeowner insurance in Massachusetts, guaranteeing protection for the home.

Find  homeowner insurance rates in each of these Massachusetts cities

Abington – Acton – Acushnet – Adams – Agawam – Amesbury – Amherst – Amherst Center – Andover – Arlington – Ashland – Athol – Attleboro – Auburn – Ayer – Barnstable Town – Bedford – Belchertown – Bellingham – Belmont – Beverly – Billerica – Blackstone – Boston – Bourne – Boxford – Braintree – Brewster – Bridgewater – Brockton – Brookline – Burlington – Cambridge – Canton – Carver – Charlton – Chatham – Chelmsford – Chelsea – Chicopee – Clinton – Cochituate – Cohasset – Concord – Dalton – Danvers – Dartmouth – Dedham – Dennis – Dighton – Douglas – Dracut – Dudley – Duxbury – East Bridgewater – East Falmouth – East Longmeadow – Easthampton – Easton – Everett – Fairhaven – Fall River – Falmouth – Fitchburg – Foxborough – Framingham – Franklin – Freetown – Gardner – Georgetown – Gloucester – Grafton – Granby – Great Barrington – Greenfield – Groton – Groveland – Halifax – Hamilton – Hanover – Hanson – Harwich – Haverhill – Hingham – Holbrook – Holden – Holliston – Holyoke – Hopkinton – Hudson – Hull – Ipswich – Kingston – Lakeville – Lancaster – Lawrence – Leicester – Leominster – Lexington – Lincoln – Littleton – Longmeadow – Lowell – Ludlow – Lunenburg – Lynn – Lynnfield – Malden – Mansfield – Mansfield Center – Marblehead – Marlborough – Marshfield – Mashpee – Mattapoisett – Maynard – Medfield – Medford – Medway – Melrose – Merrimac – Methuen – Middleborough – Middleborough Center – Middleton – Milford – Millbury – Millis – Milton – Monson – Montague – Nantucket – Natick – Needham – New Bedford – Newbury – Newburyport – Newton – Norfolk – North Adams – North Amherst – North Andover – North Attleborough – North Attleborough Center – North Reading – Northampton – Northborough – Northbridge – Norton – Norwell – Norwood – Orange – Orleans – Oxford – Palmer – Peabody – Pembroke – Pepperell – Pinehurst – Pittsfield – Plainville – Plymouth – Quincy – Randolph – Raynham – Reading – Rehoboth – Revere – Rockland – Rockport – Rutland – Salem – Salisbury – Sandwich – Saugus – Scituate – Seekonk – Sharon – Shirley – Shrewsbury – Somerset – Somerville – South Hadley – South Yarmouth – Southborough – Southbridge – Southwick – Spencer – Springfield – Sterling – Stoneham – Stoughton – Sturbridge – Sudbury – Sutton – Swampscott – Swansea – Taunton – Templeton – Tewksbury – Topsfield – Townsend – Tyngsborough – Uxbridge – Wakefield – Walpole – Waltham – Ware – Wareham – Watertown – Wayland – Webster – Wellesley – West Boylston – West Bridgewater – West Springfield – West Yarmouth – Westborough – Westfield – Westford – Westminster – Weston – Westport – Westwood – Weymouth – Whitinsville – Whitman – Wilbraham – Williamstown – Wilmington – Winchendon – Winchester – Winthrop – Woburn – Worcester – Wrentham – Yarmouth

Homeowner insurance in Massachusetts provides coverage in the event of damage to your property from theft, fire, floods, and natural disasters as well as protects you from liability for injuries or damage caused to people on your property. The right homeowner insurance plan  can help you make the best choices about this important protection for you and your family. Get free quotes on homeowner insurance in Massachusetts above.

 

Everyone is shopping for a cheaper homeowner insurance quote in Michigan for a condo, house, or mobile home. Homeowner insurance coverage in Michigan is simply called “home insurance”. Average annual premiums in the state cost approximately $715.

Michigan insurance laws have ensured that every home in the state is insurable and it also allows for free and fair competition between the over 100 insurance providers that are based in the state. With such an insurance-friendly environment, there is certainly no excuse not to get an insurance policy in Michigan.

There is only one very important thing that every homeowner should remember when purchasing homeowner insurance in Michigan: Get the insurance coverage that gives your home more than minimum industry standards protection. This simply means, if you want the best coverage for your home, don’t just get the most basic policy. If you have applied for a housing loan, it is very likely that the mortgage lender would require you to get an insurance policy that would fulfill certain requirements before approving the loan. In a way, until the time that the loan is paid off, both the homeowner and the mortgage lender have a joint interest in the investment made on the property.

There are many types of coverage in Michigan that a homeowner might want to consider for their insurance policy. But the two general coverage are…

· Actual Cash Value Coverage:  Amounts to the fair market value of the home up to the limits stated in the policy, minus the deductible. Determination of fair market value is accomplished by conducting an appraisal of the property in comparison to similar types of homes, minus the value of the land on which the property is built. It is important to note that Actual Cash Value Coverage has a limit regardless if the home appreciated in value.

· Replacement Cost Coverage:  Although more expensive than Actual Cash Value Coverage, the homeowner can expect a payout that is more in line with what he or she would need, minus the deductible. This type of coverage means that the homeowner could rebuild or repair the home and replace its contents at current market prices.

A homeowner might want to get additional protection through special riders that are not included in the basic home insurance policy. These special coverage are…

· Personal Property:  Most basic policies have a limited coverage for personal belongings. Getting Personal Property Coverage allows for personal belongings to be insured at a higher level.

· Additional Living Expense:  Provides the homeowner and his family with the much needed funds to cover apartment rental, food and clothing while the home is being rebuilt or repaired.

· Flood Insurance:  This type of coverage is a must especially if the home is located in a flood-prone area. If the insurance provider does not offer this add-on, a separate policy can be obtained from the National Flood Insurance Program.

· Renters Insurance:  Provides coverage for loss of use of the rental unit and personal property, as well as Liability and Medical Payments coverage

· Condominium Insurance:  Provides protection for the condo unit and the improvements made on it

· Mobile Homes:  Provides coverage for homeowners who use mobile homes such as campers and trailers as a permanent residence.

Investing in a homeowner insurance policy in Michigan is the wisest decision that any homeowner could make to protect his or her home. There are so many unforseen events that can cause you to lose your largest investment.

Find  homeowner insurance rates in each of these Michigan cities
Adrian – Albion – Allen Park – Allendale – Alma – Alpena – Ann Arbor – Auburn Hills – Battle Creek – Bay City – Beecher – Benton Harbor – Berkley – Beverly Hills – Big Rapids – Birmingham – Bloomfield Township – Bridgeport – Brighton – Buena Vista – Burton – Cadillac – Canton – Carrollton – Center Line – Charlotte – Clawson – Clinton – Coldwater – Comstock Park – Cutlerville – Dearborn – Dearborn Heights – Detroit – Dowagiac – East Grand Rapids – East Lansing – Eastpointe – Eastwood – Ecorse – Escanaba – Fair Plain – Farmington – Farmington Hills – Fenton – Ferndale – Flat Rock – Flint – Flushing – Forest Hills – Fraser – Garden City – Grand Blanc – Grand Haven – Grand Ledge – Grand Rapids – Grandville – Greenville – Grosse Ile – Grosse Pointe Farms – Grosse Pointe Park – Grosse Pointe Woods – Hamtramck – Harper Woods – Harrison – Haslett – Hastings – Hazel Park – Highland Park – Hillsdale – Holland – Holly – Holt – Houghton – Howell – Hudsonville – Huntington Woods – Inkster – Ionia – Iron Mountain – Ironwood – Ishpeming – Jackson – Jenison – Kalamazoo – Kentwood – Lambertville – Lansing – Lapeer – Lincoln Park – Livonia – Ludington – Madison Heights – Manistee – Marquette – Marshall – Marysville – Mason – Melvindale – Menominee – Midland – Milford – Monroe – Mount Clemens – Mount Pleasant – Muskegon – Muskegon Heights – New Baltimore – Niles – Northview – Northville – Norton Shores – Novi – Oak Park – Okemos – Owosso – Petoskey – Plymouth – Plymouth Township – Pontiac – Port Huron – Portage – Redford – River Rouge – Riverview – Rochester – Rochester Hills – Romulus – Roseville – Royal Oak – Saginaw – Saginaw Township North – Saginaw Township South – Saline – Sault Ste. Marie – Shelby – Shields – South Lyon – South Monroe – Southfield – Southgate – St. Clair Shores – St. Johns – St. Joseph – Sterling Heights – Sturgis – Taylor – Tecumseh – Temperance – Three Rivers – Traverse City – Trenton – Troy – Walker – Walled Lake – Warren – Waterford – Waverly – Wayne – West Bloomfield Township – Westland – Westwood – Whitmore Lake – Wixom – Woodhaven – Wyandotte – Wyoming – Ypsilanti

Homeowner insurance in Michigan provides coverage in the event of damage to your property from theft, fire, floods, and natural disasters as well as protects you from liability for injuries or damage caused to people on your property. The right homeowner insurance plan  can help you make the best choices about this important protection for you and your family. Get free quotes on home owner insurance in Michigan above.

 

Trying to shop around for a free Homeowner Insurance Quote in Minnesota? Free quotes for condo, house, and mobile Homeowner insurance coverage in Minnesota has one of the higher average standard insurance rates in the United States. Annual premiums cost between $774 and $788. Like the state of Michigan, Minnesota calls their homeowner insurance simply as “home insurance”.

A reason that has been put forth as to why the premiums are higher than average is because Minnesota — being known as the “Land of 10,000 Lakes” — is prone to flooding. Not surprising, therefore, that many of the residents in the state own flood insurance.

When purchasing homeowner insurance in Minnesota, the most important rule is to get a policy that has a coverage that is higher than minimum industry standards. Especially in a state that is prone to weather changes, the homeowner must take the necessary steps to get the best insurance for the home at premiums that one could afford to pay. A good way to do this is by making the rounds of the various insurance providers and comparing their quotes on the coverage that one needs.

Mortgage lenders are very particular about protecting their investment in the property, so they would require homeowners to secure a policy that fulfills their specific requirements.

What are the basic types of coverage in Minnesota?
There are two basic coverage in the state of Minnesota, and these are…

· Actual Cash Value Coverage: This coverage pays the home’s fair market value up to the limit stated in the policy, with the deductible subtracted. Determination of fair market value is accomplished by conducting an appraisal of the property in comparison to similar types of homes, and deducting the value of the land on which the property is built. Actual Cash Value Coverage has a limit regardless of property appreciation.

· Replacement Cost Coverage: Considered more expensive than Actual Cash Value Coverage, the homeowner, however, can expect a payout that is more in line with what he or she would need, with the deductible subtracted. This type of coverage means that the homeowner could rebuild or repair the home and replace its contents at current market prices.

A homeowner might want to get additional protection through special riders that are not included in the basic home insurance policy. These special coverage are…

· Personal Property: Most basic policies in Minnesota provide limited coverage for personal belongings. However, getting Personal Property Coverage allows for personal belongings to be insured for higher amounts that would permit replacement at current market prices.

· Additional Living Expense: Provides the homeowner and his family with the much needed funds to maintain a normal standard of living while the home is being rebuilt or repaired.

· Flood Insurance: This type of coverage is the one that every Minnesota should get, considering that the state is prone to heavy rainfall and damaging floods. If the insurance provider does not offer this rider to the basic insurance plan, a separate policy can be purchased from the National Flood Insurance Program.

· Renters Insurance: Provides coverage for loss of use of the rental unit and personal property. It also provides Liability and Medical Payments coverage

· Condominium Insurance: Covers the condo unit and the improvements made on it

· Mobile Homes = Provides protection for homeowners who use mobile homes such as campers and trailers as a permanent residence.

Although the price of a homeowner insurance policy in Minnesota maybe rather steep to some, considering the fact that the state is prone to weather disasters, investing in a good policy would enable a homeowner to protect his or her most precious investment: the home.

Find  homeowner insurance rates in each of these Minnesota cities
Albert Lea – Alexandria – Andover – Anoka – Apple Valley – Arden Hills – Austin – Bemidji – Big Lake – Blaine – Bloomington – Brainerd – Brooklyn Center – Brooklyn Park – Buffalo – Burnsville – Champlin – Chanhassen – Chaska – Cloquet – Columbia Heights – Coon Rapids – Cottage Grove – Crookston – Crystal – Detroit Lakes – Duluth – Eagan – East Bethel – East Grand Forks – Eden Prairie – Edina – Elk River – Fairmont – Faribault – Farmington – Fergus Falls – Forest Lake – Fridley – Golden Valley – Grand Rapids – Ham Lake – Hastings – Hermantown – Hibbing – Hopkins – Hugo – Hutchinson – International Falls – Inver Grove Heights – Lake Elmo – Lakeville – Lino Lakes – Litchfield – Little Canada – Little Falls – Mahtomedi – Mankato – Maple Grove – Maplewood – Marshall – Mendota Heights – Minneapolis – Minnetonka – Monticello – Moorhead – Mound – Mounds View – New Brighton – New Hope – New Ulm – North Branch – North Mankato – North St. Paul – Northfield – Oak Grove – Oakdale – Orono – Otsego – Owatonna – Plymouth – Prior Lake – Ramsey – Red Wing – Richfield – Robbinsdale – Rochester – Rosemount – Roseville – Sartell – Sauk Rapids – Savage – Shakopee – Shoreview – Shorewood – South St. Paul – Spring Lake Park – St. Anthony – St. Cloud – St. Louis Park – St. Michael – St. Paul – St. Peter – Stillwater – Thief River Falls – Vadnais Heights – Virginia – Waconia – Waite Park – Waseca – West St. Paul – White Bear Lake – Willmar – Winona – Woodbury – Worthington

Homeowner insurance in Minnesota provides coverage in the event of damage to your property from theft, fire, floods, and natural disasters as well as protects you from liability for injuries or damage caused to people on your property. The right homeowner insurance plan  can help you make the best choices about this important protection for you and your family. Get free quotes on home owner insurance in Minnesota above.

 

On the lookout for a new homeowner insurance quote in Mississippi for your condo, house,or mobile home?  Homeowner insurance coverage in Mississippi is among the Top 10 U.S. states with the most expensive standard insurance rates. Ranked at No. 6, average annual premiums in the state range between $998 and $1,061.

Like most states, mortgage lenders in Mississippi require loan applicants to get insurance that meets their requirements. However, the Mississippi Insurance Department strongly advises homeowners not to settle with just the cheapest basic policy in order to cut costs. It is recommended that the insurance policy cover at least 80% of the home’s replacement cost. This should be more than the home’s original cost after accounting for property appreciation.

Because of the higher cost of insurance in the state, it is advised that homeowners acquire homeowner insurance policy quotes from several insurance providers. This would enable them to determine which policy and which provider would best meet his/her own needs and their family’s protection needs as well.

In order to ensure that the most accurate quote will be obtained from the insurance company, some important information should be provided. These are:

· The area of the home in square feet

· Description of the home

· Photographs of the home

· Distance of the home from a fire hydrant and the nearest fire department

· Installed protection gadgets and security alarms in the home

· Coverage that the homeowner wants to avail of

The three basic coverage of homeowner insurance in Mississippi are:

· Actual Cash Value: The cheapest coverage, it pays the cost of replacing the home and/or personal belongings after taking into account property depreciation.

· Replacement Cost:  Pays the cost of replacing the home and/or personal possessions, but not taking into account the depreciation of the property

· Guaranteed Replacement Cost: The most expensive coverage, it pays the cost to rebuild the home in its exact condition prior to the disaster. Only a few insurance companies offer this coverage.

Among the perils and hazards included in the basic Mississippi coverage are:

· Fire and smoke

· Lightning

· Windstorm, including hurricanes and tornadoes

· Hail

· Explosion

· Riots or civil commotion

· Theft and vandalism

· Falling objects

· Weight of ice, snow or sleet

· Freezing of plumbing, heating, air conditioning or other household systems

What is not included is structural damage to the home and loss or damage to personal belongings caused by the following:

· Homeowner neglect

· Intentional loss

· Earth movement (or earthquake)

· General power failure

· Acts of war

· Floods

Floods should be a particular concern for homeowners because Mississippi is a flood-prone state during the hurricane season. In fact, the state was among the hardest hit by Hurricane Katrina. One could obtain flood coverage as a special rider on the basic policy at added cost or purchase it as a separate policy from the National Flood Insurance Program.

Residents requiring assistance for their complaints with insurance providers or need to have their concerns on homeowner insurance in Mississippi addressed may contact the Consumer Help Line of the Mississippi Insurance Department.

 

Find  homeowner insurance rates in each of these Mississippi cities

Aberdeen – Amory – Batesville – Bay St. Louis – Biloxi – Booneville – Brandon – Brookhaven – Byram – Canton – Clarksdale – Cleveland – Clinton – Columbia – Columbus – Corinth – D’Iberville – Gautier – Greenville – Greenwood – Grenada – Gulfport – Hattiesburg – Hernando – Holly Springs – Horn Lake – Indianola – Jackson – Kosciusko – Laurel – Long Beach – Louisville – Madison – McComb – Meridian – Moss Point – Natchez – New Albany – Ocean Springs – Olive Branch – Oxford – Pascagoula – Pass Christian – Pearl – Petal – Philadelphia – Picayune – Richland – Ridgeland – Senatobia – Southaven – St. Martin – Starkville – Tupelo – Vicksburg – Waveland – West Hattiesburg – West Point – Yazoo City

Homeowner insurance in Mississippi provides coverage in the event of damage to your property from theft, fire, floods, and natural disasters as well as protects you from liability for injuries or damage caused to people on your property. The right homeowner insurance plan  can help you make the best choices about this important protection for you and your family. Get free quotes on home owner insurance in Mississippi above.

 

Homeowner insurance quote in Missouri is not as expensive as you may think for your condo, house, or mobile home. Homeowner insurance coverage in Missouri is right in the middle of the state rankings on average insurance rates in the U.S. Ranked at No. 25, annual premiums are pegged at a low of $707 to a high of $765.

Basic homeowner insurance in Missouri has three major types of coverage. The types of coverage are, namely:

· Actual Cash Value: Covers replacement of the home and/or personal belongings after taking into account property depreciation

· Replacement Cost: Covers replacement of the home and/or personal belongings without taking into account property depreciation

· Guaranteed Replacement Cost: The most expensive type of coverage, it guarantees rebuilding of the home to its exact condition prior to the disaster.

The standard homeowner insurance policy also includes Personal Liability Coverage in case the homeowner and/or the family members cause bodily injury or property damage to another individual.

Financial protection is also provided in the event of damage to the home and loss or damage to personal belongings when caused by the following perils or hazards:

· Fire and smoke

· Lightning

·Windstorm, including hurricanes and tornadoes

· Hail

· Explosion

· Riots or civil commotion

· Theft and vandalism

· Falling objects

· Weight of ice, snow or sleet

· Freezing of plumbing, heating, air conditioning or other household systems

Excluded from the standard policy is structural damage to the home and loss or damage to personal belongings caused by:

· Homeowner neglect

· Intentional loss

· Earth movement (or earthquake)

· General power failure

· Acts of war

· Floods

To aquire flood coverage, homeowners should apply for a separate policy from the National Flood Insurance Program.

The Missouri Department of Insurance, Financial Institutions and Professional Registration has several recommendations for homeowners who are shopping around for that policy which fits their needs.

· Get multiple policy quotes from the various insurance providers in the area.

· Make sure that insurance agents or brokers are licensed by Missouri’s Department of Insurance.

When getting policy quotes, provide the insurance companies with the following information:

· The area of the home in square feet

· Description of the home

· Location of the home, especially if it is in a designated high-risk area

· Photographs of the home

· Distance of the home from a fire hydrant and the nearest fire department

· Installed protection gadgets and security alarms in the home

· Coverage that the homeowner wants to avail of

Some residents may not be able to avail of homeowner insurance from private insurance providers for reasons that include low credit score and that the home is situated in a disaster-prone area. Thankfully, those who have been rejected three times could secure a policy via the Missouri Property Insurance Placement Facility, or FAIR Plan, offering protection for damages or losses resulting from fire, windstorm, smoke, hail, explosion, vehicles or aircraft, riot or civil commotion, vandalism and malicious mischief.

Excluded from the FAIR homeowner insurance in Missouri is damage or losses resulting from theft or liability insurance.

 

Find  homeowner insurance rates in each of these Missouri cities
Affton – Arnold – Aurora – Ballwin – Barnhart – Bellefontaine Neighbors – Belton – Berkeley – Black Jack – Blue Springs – Bolivar – Boonville – Branson – Brentwood – Bridgeton – Cameron – Cape Girardeau – Carthage – Caruthersville – Chesterfield – Chillicothe – Clayton – Clinton – Columbia – Concord – Crestwood – Creve Coeur – De Soto – Des Peres – Dexter – Ellisville – Eureka – Excelsior Springs – Farmington – Ferguson – Festus – Florissant – Fort Leonard Wood – Fulton – Gladstone – Grandview – Hannibal – Harrisonville – Hazelwood – Independence – Jackson – Jefferson City – Jennings – Joplin – Kansas City – Kennett – Kirksville – Kirkwood – Ladue – Lake St. Louis – Lebanon – Lee’s Summit – Lemay – Liberty – Manchester – Maplewood – Marshall – Maryland Heights – Maryville – Mehlville – Mexico – Moberly – Monett – Murphy – Neosho – Nevada – Nixa – O’Fallon – Oakville – Olivette – Overland – Ozark – Park Hills – Perryville – Poplar Bluff – Raymore – Raytown – Republic – Richmond – Richmond Heights – Rolla – Sappington – Sedalia – Shrewsbury – Sikeston – Spanish Lake – Springfield – St. Ann – St. Charles – St. John – St. Joseph – St. Louis – St. Peters – Sullivan – Sunset Hills – Town and Country – Trenton – Troy – Union – University City – Valley Park – Warrensburg – Washington – Webb City – Webster Groves – Wentzville – West Plains – Wildwood

Homeowner insurance in Missouri provides coverage in the event of damage to your property from theft, fire, floods, and natural disasters as well as protects you from liability for injuries or damage caused to people on your property. The right homeowner insurance plan  can help you make the best choices about this important protection for you and your family. Get free quotes on homeowner insurance in Missouri above.

 

Looking for homeowner insurance quote in Montana for your ranch, house, condo or mobile home just got very easy. Homeowner insurance coverage in Montana is at the lower mid-range of average annual premiums in the United States. Insurance rates range between $645 and $666.

A major reason that was put forth for the lower premiums is that Montana, despite having a large area, has one of the lowest population densities in the country. However, although one expects that premiums could be lower than its current level, it is unlikely for rates to decrease because the state is particularly known to be a high risk area for forest fires and wildfires. It certainly is no surprise therefore that coverage for fires is the first thing that every homeowner should check in their policy.

Thankfully, most homeowner insurance policies in Montana do provide fire coverage. But those whose properties are in high-risk areas should double-check their insurance plans just to be sure that they are covered. If it isn’t, it is available as a special rider in the policy which could be added at extra cost.

The main types of coverage in Montana are as follows:

· HO3:  The most basic homeowner policy, it provides protection to personal property and contents along with the building structure against named perils. Added to this policy are medical and liability coverage.

· HO4:  This is the basic policy for renters and tenants. HO4 offers coverage to the contents of the rental unit. It also includes a certain amount of medical and liability coverage.

· HO6:  This is the basic condominium unit owner’s insurance policy, providing protection to the inner walls, personal possessions and contents of the condo. Also added to this policy are medical and liability coverage.

Like with other states in the U.S., Montana does not have floods included in their policies. Again, this is available as a special add-on or as a separate policy to be purchased from the National Flood Insurance Program.

It is because of the ever present threat of fire and wildfires that insurance providers give discounts to homeowners who take the necessary measures to see to it that their homes are protected from fires in some way.

One very important factor is the construction of the home. The home should be built using non-combustible and non-flammable materials. Good fire-resistant construction materials for exteriors and roofs are stone, brick, tile, and slate, and would warrant lower insurance rates. High insurance rates are expected from homes made of wood or other highly combustible materials.

Regular maintenance of the home is a must, considering the large number of trees in the state. Roofs and gutters should be cleaned regularly of potentially combustible materials such as leaves, pine needles and branches especially during summertime. It would also help tremendously to have the home’s building materials and/or exteriors and roofs treated with fire retardant chemicals. To protect the inside of the home, it would be wise to invest in fire and smoke alarms and a sprinkler system.

Another way to get a discount from the insurance provider is by planting fire-resistant plants or trees around the home, so as to prevent any fires from spreading to the property too quickly.

Homeowners who take steps to ensure that their property is safe from wildfires are sure to get those valuable discounts from their homeowner insurance in Montana.

Find  homeowner insurance rates in each of these Montana cities
Anaconda – Billings – Bozeman – Butte-Silver Bow – Evergreen – Great Falls – Havre – Helena – Helena Valley Southeast – Helena Valley West Central – Kalispell – Laurel – Livingston – Miles City – Missoula – Beaverhead County – Big Horn County – Blaine  – Broadwater  – Carbon  – Carter  – Cascade – Chouteau  – Custer  – Daniels  – Dawson  – Deer Lodge  – Fallon  – Fergus  – Flathead  – Gallatin  – Garfield  – Glacier – Golden Valley  – Granite – Hill  – Jefferson  – Judith Basin – Lake  – Lewis and Clark – Liberty – Lincoln  – Madison  – McCone  – Meagher  – Mineral County – Missoula County – Musselshell  – Park  – Petroleum  – Phillips  – Pondera  – Powder River  – Powell County – Prairie County – Ravalli County – Richland County – Roosevelt County – Rosebud County – Sanders  – Sheridan  – Silver Bow  – Stillwater  – Sweet Grass  – Teton County – Toole County – Treasure County – Valley  – Wheatland  – Wibaux County

Homeowner insurance in Montana provides coverage in the event of damage to your property from theft, fire, floods, and natural disasters as well as protects you from liability for injuries or damage caused to people on your property. The right homeowner insurance plan  can help you make the best choices about this important protection for you and your family. Get free quotes on homeowner insurance in Montana above.

 

Sometimes it can be frustrating trying to get a homeowner insurance quote in Nebraska for a condo, mobile home or house. Homeowner insurance coverage in Nebraska is among the Top 20 states with the highest average insurance rates in the country. Ranked at No. 18, annual premiums cost $749 to $783.

The higher cost of premiums should not come as a surprise. Nebraska is situated right in the heart of “Tornado Alley”, making the state particularly prone to experience violent windstorms that could reach wind speeds of 300 mph or more.

It is because of the ever present threat of tornadoes that the basic homeowner insurance in Nebraska provides coverage for tornado damage. This is listed as “wind” or “windstorm” damage.

Another type of peril covered in with a Nebraska homeowner insurance policy is damage resulting from snow, ice and hail. On average, the state gets more than 25 inches of snow annually, but this could increase especially during snowstorms. The heavy weight of ice and snow could cause roofs to cave in and homes to collapse.

What is definitely not covered in Nebraska standard policies is flooding. Flood coverage is particularly important in the state, considering the fact that storms cause heavy rains that produce damaging flash floods.

Homes that are in flood-prone areas would benefit from flood coverage. However, some insurance providers may refuse coverage for this very reason. If flood coverage could not be added to the basic insurance, it is best to secure a separate policy from the National Flood Insurance Program.

The main types of coverage in homeowner insurance in Nebraska are the following…

· Homeowner’s-1 (HO-1):  This type of insurance coverage only provides very limited coverage for homeowners whose property was damaged by smoke, lightning, fire and theft.

· Homeowner’s-2 (HO-2):  In addition to the items mentioned being covered by HO-1, HO-2 coverage also encompasses damage caused by falling objects, force exerted by the weight of ice or snow, water from plumbing systems, freezing of plumbing systems, electrical damage to appliances, and water damage from ruptured water heaters, as well as heating and air-conditioning systems.

· Homeowner’s-3 (HO-3):  This is otherwise known as the Special Form Policy, this is the policy that most Nebraska residents avail of. It covers the home against all risks of physical loss, except for certain perils those that are excluded in the policy, one of them being floods.

· Tenant’s/Cooperative Owner’s (HO-4):  Covers the contents of the apartment including the personal belongings of the renter. Added to this policy are medical and liability coverage.

· Homeowner’s-5 (HO-5):  Provides the same coverage as in HO-3, but includes protection for personal possessions, except for those things that are specifically excluded in the policy. This coverage can also be added to the HO-3 policy as a Special Personal Property clause.

· Condominium Unit Owner’s (HO-6):  This typically provides coverage to the contents of the condo unit with added medical and liability coverage.

Because of the higher cost of insurance premiums in Nebraska, it is advisable to avail of discounts from the insurance company.

One sure fire way to get a discount, especially for those who are still building their homes, is to use stronger construction materials such as brick and stone, which would assure the home’s sturdiness during windstorms.

Discounts are also given if the homeowner and his/her family have moved into a new home during the last two years.

Other ways to avail of discounts in premiums include getting several types of insurance (such as life and car insurance) with the same insurance company, maintaining a good credit score, customer longevity, and the installation of security alarms and protective devices.

Why put one’s most valuable investment at risk from damaging tornadoes and other natural disasters? Homeowner insurance in Nebraska will guarantee that destroyed or damaged properties will be repaired or rebuilt at minimum cost to the policy holder.

Find  homeowner insurance rates in each of these Nebraska cities

Alliance – Beatrice – Bellevue – Blair – Chalco – Columbus – Crete – Elkhorn – Fremont – Gering – Grand Island – Hastings – Kearney – La Vista – Lexington – Lincoln – McCook – Nebraska City – Norfolk – North Platte – Offutt AFB – Omaha – Papillion – Plattsmouth – Ralston – Scottsbluff – Seward – Sidney – South Sioux City – York

Homeowner insurance in Nebraska provides coverage in the event of damage to your property from theft, fire, floods, and natural disasters as well as protects you from liability for injuries or damage caused to people on your property. The right homeowner insurance plan  can help you make the best choices about this important protection for you and your family. Get free quotes on home owner insurance in Nebraska above.

 

Choose a free homeowner insurance quote in Nevada for a condo, mobile home, or a stick built house. One automatically assumes that homeowner insurance coverage in Nevada is one of the most expensive in the U.S., considering the fact that it is home to the Gambling Capital of America, namely Las Vegas. Surprisingly though, Nevada is ranked No. 29, with average annual premiums ranging between $534 and $693.

There are two types of homeowner insurance policies in Nevada:

· Peril Coverage:  Covers specific hazards that are listed in the policy

· All-Peril Coverage:  Has a broader coverage but still excludes floods and earthquakes

For most of the year, Nevada enjoys fine weather. However, occasional heavy rains do occur in the state which could result in damaging flash floods. Because the basic policy does not include flood coverage, it is advisable to purchase a separate policy from the National Flood Insurance Program. Homeowners who are unsure if their properties are located in flood-prone areas of the state should contact the Federal Emergency Management Agency (FENA) for more information.

It is important to mention in addition that flood insurance has a 30 day waiting period before it could take effect, so it is best to get flood coverage before the rainy season comes.

Next to floods, earthquakes are an ever looming threat in the state of Nebraska. Earthquake coverage is a special add-on to the basic policy which could be availed of at extra cost.

Nevada homeowner insurance policy comes in package that consists of the following types of coverage:

· Homeowner’s-1 (HO-1):  Provides only very limited coverage to damages caused by fire, lightning, wind, smoke and theft.

· Homeowner’s-2 (HO-2): Aside from the items mentioned in HO-1, HO-2 also includes damage from falling objects, the weight of ice or snow, water from plumbing systems, freezing of plumbing systems, electrical damage to appliances, and water damage from ruptured water heaters, air-conditioning or heating systems.

· Homeowner’s-3 (HO-3): Also called the Special Form Policy, this is the policy that most Nevada residents purchase. It protects the home against all risks of physical loss, except for certain perils those that are excluded in the policy, one of them being floods, earthquakes and manmade disasters such as war.

· Tenant’s/Cooperative Owner’s (HO-4):  Covers the contents of the apartment including the personal belongings of the renter. Added to this policy are medical and liability coverage.

· Homeowner’s-5 (HO-5):  Provides the same coverage as in HO-3, but includes protection for personal possessions

· Condominium Unit Owner’s (HO-6):  Covers the contents of the condo unit with added medical and liability coverage.

When purchasing that all-important policy, it is advised that homeowners should get coverage that would allow the home to be replaced in the event of damage after a disaster. Never get a very basic policy if only to meet requirements by mortgage lenders. Homes that have appreciated in value should also have higher priced overage. Homeowners should also not forget to insure their personal belongings.

When making claims on homeowner insurance in Nevada, homeowners should present insurance companies with an up-to-date itemized inventory of the damages or lost personal belongings. Photographs of the items and receipts of large purchases would also help to speed up the claims process.

 

Find  homeowner insurance rates in each of these Nevada cities or counties
Boulder City – Carson City – Elko – Enterprise – Fallon – Fernley – Gardnerville Ranchos – Henderson – Incline Village-Crystal Bay – Las Vegas – Laughlin – Lemmon Valley-Golden Valley – Mesquite – Nellis AFB – North Las Vegas – Pahrump – Paradise – Reno – Spanish Springs – Sparks – Spring Creek – Spring Valley – Sun Valley – Sunrise Manor – Whitney – Winchester – Winnemucca – Carson City – Churchill County – Clark County – Douglas County – Elko County – Esmeralda County – Eureka County – Humboldt County – Lander County – Lincoln County – Lyon County – Mineral County – Nye County – Pershing County – Storey County – Washoe County – White Pine County

Homeowner insurance in Nevada provides coverage in the event of damage to your property from theft, fire, floods, and natural disasters as well as protects you from liability for injuries or damage caused to people on your property. The right homeowner insurance plan  can help you make the best choices about this important protection for you and your family. Get free quotes on home owner insurance in Nevada above.