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Howe Insurance Brokerage Blog

Millennials' Guide to Home Insurance

1/12/2021

6 Comments

 
Picture
Buying your first home is an exciting experience. However, it can get stressful very quickly, especially if you don’t know what you’re doing. 
​
If you’re a first time home buyer, here are some tips you can do to save money on home insurance. 
The Cost of First Home Insurance
Typically, home insurance policies cost around $952 annually. However, insurance agencies also offer more expensive plans and can cost at least $2,000 a year. Although some agencies offer tons of discounts, first time home buyers are typically not qualified to receive them.

What you can do to prepare is to look around for options. Talking to insurance agents also helps you lower costs. 

Home Insurance Cost-Cutting Tips
Before purchasing your first home, there are various ways that you can take to save money. 

If you’re wondering, here are some cost-cutting tips to save on your first home purchase.
  1. Avoid Last-Minute Insurance Purchase
    Purchasing home insurance is not as simple as signing up for any insurance plan. Typically, first time home buyers get overwhelmed and leave insurance to the last minute. As a result, options become limited, and coverage might not be as great. When this happens, you can incur high costs from home insurance.

    To avoid putting insurance to the last minute, make sure to research home insurance providers. Also, ensure that you choose a provider that could cater to your needs and budget. 

  2. Don’t Assume Costs of Insurance
    Typically, first time home buyers ask the home’s previous owner about the expenses that come with the house. These are usually electricity and taxes. However, asking about the price of home insurance might not be a smart move.

    The previous owner’s insurance cost is not a good measure of how much you’ll pay. What you can do is get insurance quotes from your chosen provider. Also, know that insurance agencies consider various personal information, including profession and credit rating.

  3. Build Up Credit
    If you want to qualify for discounts that insurers offer, it’s best to start your insurance history as early as you can. Usually, insurance agencies offer discounts of up to 20%. Some have claims-free deals and loyalty discounts as well.

Conclusion
Purchasing a home for the first time can get quite stressful. However, through the help of home insurance, getting your dream home can be a breeze. 

At Howe Insurance Brokerage, we put our clients first by offering them policies that they can afford. Having insurance is a necessity nowadays and we're here to help you out. Learn more about our products and services by calling our agency at (435) 674-8771. You can also request a free quote by CLICKING HERE.
6 Comments
Braden Bills link
6/3/2022 08:08:34 am

I want to make sure that I get the right home insurance. It makes sense that I would want to get ensure that I get the right plan for me. I'll be sure to work with a professional to help me out with this.

Reply
John Carston link
8/2/2022 06:22:54 pm

I never knew that home insurance could be tricky if you are a new home owner. My wife told me a couple of days ago that she was planning to have a home insurance plan that covers liability for any property damages, and asked if I had any idea what could be the best option in choosing the best plan for us. Thanks to this informative article, I'll be sure to consult a trusted home insurance agent as they can provide more information for the best coverage for us.

Reply
rachel frampton link
8/2/2022 10:37:29 pm

If I were to buy a house, I will invest in home insurance because this will help cover the possible repair and damage costs. Well, it's also a good thing that you shared the importance of considering the budget. Aside from this, you made a pretty good point that policies must be compared too.

Reply
Victoria Addington link
8/3/2022 01:32:40 am

Thank you for explaining that last-minute insurance purchases may result in high costs. My friend wants to acquire the best home insurance to fit her lifestyle. I should advise her to look for a home insurance broker for agencies that can guide her.

Reply
nikkwilliam link
9/6/2022 01:11:15 am

We’ve taken the guesswork out of finding the best Company by analysing important factors that will affect your customer experience. We evaluated large Company companies based on average rates for a variety of drivers, coverage features available, levels of complaints, grades for collision claims from auto body repair professionals, and how understandable the insurers’ websites are

Reply
Eve Mitchell link
9/19/2022 01:17:42 pm

It's good to know that you need to choose an insurance provider that could cater to your needs and budget. I'm hoping that I can get a new home insurance policy sometime in the next few weeks. It would be great if I could find one at a decent price.

Reply



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