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| *Loan,banking and credit>>>homeowner insurance |
How much does Homeowners Insurance cost? |
Whats a good estimate for how much my homeowners insurance would be if I'm a first time buyer, my home is around 300,000. and I have good credit, plus the home is in a brand new developement. I just want an estimate. Thanks. You are open for a pretty good range of values, depending on where you live and what coverages you are looking for. Typical annual premium will be $500 for lower coverages in a not-so-risky area (risky is coastal, Southern Florida, fire or earthquake zones, etc). If you already have auto insurance, call your agent to have him/her discuss your options; there are a lot of them. Make sure to use an independent agent that can write you a policy with one of several different companies. That will give you the flexibility of premium and coverage options. A good agent will spend 30-60 minutes with you to make sure that they understand all of your insurance needs (car, home, home-business, kids, pets, etc). If they just spend 2 minutes to get the basics from you, keep looking for a better agent. Source(s): 12 years in the insurance industry (mostly commercial risks) impossible to answer without knowing the location, the coverage you select, any riders for collectibles etc. Most homeowners pay about 1000 to 1200 dollers a year for homeowners insurance. Also it is a lot cheaper if you have all your insurance under one company because you will get a discount. For example, if you have your car ins., heath ins. content ins and everything in one insurance company you get a group discount for all of it. Take care Heather Call a few home insurance agencies. They will give you quotes. there are a lot of variables, but you can get gagood idea of the amount of coverage you need by taking the square footage of the home by $100. what it costs really depends on where you live. Will depend heavily on location, credit and square footage. Here are a few things to get with the policy - identity theft coverage replacement cost on contents full replacement cost on the dwelling Being that the house is new construction, you should be able to get a good rate. Here is a homeowners insurance directory to find a local agent: http://www.insuremyhouse.com |
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