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Choosing your Homeowners Insurance Policy
A helpful guide when selecting homeowners insurance, including local rates and common questions. Click here to
see/download the print version of this brochure.
Understanding Rates Risks Not Covered
How to Find the Best Rate Claims
Questions to Ask Your Agent Cancellation and Non-Renewal
Agents and Company Representatives Inexpensive Homeowner Add-ons
What to Know Before You Buy a Policy Rate Comparison Chart
Ways to Save Money Home Inventory List
Market Assistance Program
Insurance companies rate your home based on factors such as replacement costs, the city and/or county where you live, your
claims history, your credit history, construction materials and local fire protection.
How to Find the Best Rate:
Shop for the company and agent that offer the best service for the best price. Compare prices. Different companies charge
different rates. Get quotes from several companies before you buy. Make sure you understand what coverages and perils are
included and that you’re comparing equivalent policies.
Questions to Ask Your Agent:
• Am I in your lowest-priced company or tier? If not, why?
Consumers Licensing and Education Regulated Entities Businesses Public Information
JOHN D. DOAK
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