Best Home Insurance for 2016 - Help

What you need to know about getting a homeowners insurance quote

If you’re looking for the best home insurance in 2016, there are plenty of national and local insurance companies that will want your business.

However, it’s hard to decide which company to pick with so many choices. The best way to find fair rates is to get free online homeowners insurance quotes from a variety of companies. Companies like Amica Mutual stand out in customer surveys, but they aren’t available everywhere.

There’s more to take into account than just price, but it’s a good starting point. I’ve included a quote tool below so you can shop around right away. You can research policies from each provider and determine which is the best fit for your home and your budget.

The best home insurance companies will perform exceptionally well in three critical categories

• Price 
• Claims 
• Coverage 

Although Amica ranks highest in customer satisfaction by J.D. Power, companies like State Farm, Liberty Mutual, and Allstate also rank well in these areas and are worth considering. There are many reputable national carriers offering similar types of coverage. To find the ideal option for you, the best way to start is by getting an online quote to get an idea of the average rates and companies offering insurance in your location. Even if you don’t buy right away, you get an idea of what the cost will be.

What Does Home Insurance Cover?

The main reason you buy an insurance policy is for the coverage it provides. State Farm stands out for offering excellent coverage options, some of which include
Dwelling Coverage: The part of your policy that helps pay to repair or rebuild your home if damage is the result of a covered loss. Critical home components like plumbing, electrical wiring, or your HVAC system fall into this category.

 Liability Insurance: Helps protect your assets and cover costs associated with a lawsuit when you or a family member are responsible for injuring another person, or if someone is injured on your property. (For example, if your dog bites your neighbor.) It also provides coverage if you or a family member causes damage to another person’s property. $100,000 is a good benchmark for liability coverage, but this will vary depending on the size of your home and the assets you need to protect.

 Other Structures: Covers the cost of repairing (or rebuilding) detached garages, sheds, and other similar structures.

Personal Property Coverage: Covers your clothing, electronics, furniture, and other personal property that is damaged or destroyed by a cause that is covered by your insurance. Most top insurance companies provide checklists, personal property calculators, or other resources to help you document your belongings. For example, Liberty Mutual provides a mobile app where you can upload pictures, receipts, and more.

Loss of use: If your home is damaged to a degree that you have to temporarily move out while it is being repaired, loss of use will help pay your housing and living expenses. 

Guest Medical Coverage: Provides coverage for medical bills and related expenses when someone is injured on your property, but they do not want to sue you. $1,000 per person is a common level of coverage, though some homeowners choose to take out an extension for added protection.
Most of the top homeowners insurance carriers offer similar types of coverage. The best way to find the right homeowners insurance package is by comparing rates and coverage options through an online quote.

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