Dirt Cheap Central Presents:
Tired of Paying Ever-Increasing Premiums?
Here’s Where to Find the Cheapest Home Insurance Options
Dirt Cheap Central Presents:
Tired of Paying
Here’s Where to Find
the Cheapest Home
Discover where you can insure your home’s structure, property, personal belongings, and jewelry and cover yourself against a variety of risks and situations—all at extremely affordable prices.
Here’s a simple and direct question: How much money would you like to save on your next home insurance? 10%? 25%? Even more?
Owning a house, apartment, or any other type of real estate and getting it insured can be a big annual financial expense for any existing homeowner or first-time home buyer.
That’s why learning efficient ways to reduce your rates, save money, and get the best coverage for your precise needs without breaking the bank can be extremely helpful.
Let’s explore some of the most inexpensive options to protect your most important investment from the unexpected.
1. Home Insurance Comparison Sites
One of the best ways to get really cheap homeowners insurance is by shopping around online and comparing custom quotes—as well as the providers who offer them.
When evaluating offers from multiple insurers, it helps to compare “apples to apples” fairly, accurately, and consistently.
As an informed consumer, when you carefully explore different policy options, you have to understand what each one does—and does not—include in terms of coverage, limits, and deductible amounts.
For most consumers, when this task is done manually, it’s a tedious, complicated, and time-consuming process that involves lots of confusing paperwork, annoying phone calls, and emails.
And the worst part? All this hassle and stress does not guarantee a good result.
However, digital real-time rate comparison tools offer a quicker and more convenient alternative that can save you time and money.
After answering a few questions about yourself and your property, you’ll instantly get quotes from top carriers, so you can easily compare them side-by-side in one place and understand which are the best fit for your budget, needs, and particular situation.
The bottom line: It’s a great way to find the cheapest home insurance plans, and the most affordable companies in the industry in minimal time.
2. Online-Only Insurers
Digital direct-to-consumer carriers operate in the market without any aggressive commission-minded agents, or expensive office real estate scattered throughout the country.
Unlike some of the old insurance industry dinosaurs, they do not share the same big-corporation mentality, reflected in inefficient bureaucratic procedures, and excessive red tape, all of which is subsidized by the end-customer through overpriced rates.
These insurtech startups are disrupting the conventional home-insurance marketplace with new tech-based solutions, fresh business approaches, and user-friendly mobile apps that help homeowners save money and pay less for their property’s coverage.
Online insurers price their premiums based on innovative models, such as artificial intelligence, big data, smart-home monitoring, and other advanced technologies that meet the needs of today’s financially-savvy homeowner.
3. Organization Membership Discount from Major Carriers
New homeowners, seniors, and nonsmokers are not the only people eligible for discounts with many of the traditional players in the U.S. insurance industry.
Did you know that members of certain organizations, groups, university alumni programs, and even big professional and trade associations can enjoy substantial discounts from major insurance companies?
If you belong to AAA, AARP, Costco, BJ’s Wholesale Club, or any other money-saving organization, be sure to check if any big national carriers have a special offer for members like you.