How to get lower home owner insurance quotes?

I keep getting quotes that are a little out of our range. What can lower the insurance? Like when they ask you all those questions, such as owning a dog, or owning guns. does a yes or no make it higher or lower?

yes ... those answers matter to the rates.

the problem is that if you lie on the application and there is a claim on that part ["I don't have dogs" and then your dog bites someone], then the company can walk away from paying because you lied. AND that leaves you fully exposed to the liability lawsuit the bitten person may bring.

So, you lower your quotes by

1. shopping hard for insurance, and
2. finding an agent who'll tell you the specific answers to the questions that cause higher expense, AND then eliminating those things from your life.
3. finding an agent who'll tell you what specific improvements might also reduce your rates -- example: felling overhanging trees.

GL

Where are you located? I have an insurance brokerage listing who you can contact, depending on the state, and let them do all the research, to find you the best deal. I used the # and it saved me a few hundred dollars.

mbrcatz is correct. most of the time if your quote is high and you do not have any prior claims it is because of the credit score. to get a better rate you may want to call around to some local agencies and ask them if they have any companies that do not run credit. that should help. however, a lot of these companies are not as reputable. it is really up to you. if you just care about price then try that. if you want a good company expect to pay a little more. if something happens and then it of course will have been worth it. another option that you should consider is checking if there is a multi-policy discount you can get for having your auto insurance with that same carrier. often these discounts are 15-25%, which could mean saving a few hundred a month and ALSO giving you the same discount (multi-policy) on your auto insurance for carrying your home there. i would not recommend raising your deductible above 1% unless you always have that amount of money saved. as far as the dogs and guns go most of the time they ask those questions so they know whether to endorse or exclude those coverages. many companies do not offer coverage on a house that has certain breeds of dogs. if you do not have an "aggressive breed" of dog then there is no need to worry about it.

How to get lower home owner insurance quotes?