What Affects Your New Jersey Homeowners Insurance?

Getting comprehensive New Jersey homeowners insurance can be one of the most important steps when you’re buying a new home. The majority of people will never need to file an insurance claim, but the peace of mind offered by a complete plan is priceless. A standard plan will cover your home and your personal property, but you can find extensive umbrella plans that cover personal liability.


There are a variety of different elements that can affect your New Jersey homeowners insurance from https://newjersey-insurance.net/new-jersey-homeowners-insurance/. Many of these factors can be used to your advantage if you’re trying to get the lowest monthly rate. It’s important to remember that some aspects of your home and your personal habits may have a negative effect on your insurance premium.

The Style of Home

One of the main aspects that can affect the price of New Jersey Homeowners insurance is the type of house you live in. If you live in a house that’s made from brick or stone, it will probably cost less to insure because there’s a reduced fire risk. As a general rule, it will cost more to insure older homes that might have outdated wiring and obsolete fixtures. You’ll see a significant increase in the cost of insuring your home if you have a garage or a pool.


Another major part of your insurance premium comes down to your home’s location. Your monthly insurance bill will cost quite a bit less if your home is close to a fire station or a fire hydrant. The house’s relative location to bodies of water is a major aspect that insurers take into consideration. If you live near the ocean, there’s a good chance that your home will be exposed to hurricanes and inclement weather. This will drive your insurance premium up by quite a bit, because you’ll need coverage for flooding and water damage.

Crime Rate

Another thing that insurers investigate when establishing your insurance premium is your local crime rates. If you live in an area that has a history of burglaries and theft, your insurance companies will ask for more each month. You can mitigate the cost of homeowners insurance by installing a home security system. Something a simple as a deadbolt lock can lower your insurance premium, and make your property safer.

Personal Habits

Insurance companies have an equal interest in the homeowner and the home. If you smoke, there’s a good chance that your New Jersey Homeowners insurance will cost significantly more that if you were a nonsmoker. Some insurers will also look into your claims history. If you’ve filed substantial claims in the past, you might have to pay a higher premium on new plans.

Posted in Homeowners Insurance.

Comparing Michigan car insurance

Like other industries, the Michigan car insurance business is very competitive. That works in favor of customers like you, in that you might see wide variations in pricing for the same coverage.


Some things are fairly standard because the risk factors are the same. That means women are most likely going to have lower rates, as will drivers with clean driving records, a stellar claims history and those who have taken a defensive driving course. It is wise to do everything you can to make sure you have these risk factors under control.


You may already know that if you increase your deductibles, your policy price will go down. That’s standard and makes sense.

Optional car insurance coverage

But one thing you may not have considered is optional coverage from http://michigan-insurance.website/michigan-car-insurance/. You pay a little extra for it, but some of these kinds of coverage could be helpful.  For example, if you need to use a car while yours is being repaired, rental reimbursement can save you some money. What if an uninsured or underinsured motorist hits you? You may wish you had that coverage.  Comprehensive coverage is something you need to look at, even though it’ll cost you a bit more to get that protection.


When it’s time to buy a new car, check that you are buying a car that will not increase your premium. For the most part, new or newer cars are cheaper to cover and so are cars that come with all the top safety features. Anti-theft devices are also going to impact your premium price.


It is good for customers to understand that anything that improves your risk factors is going to be good for your pricing.


The Military and car insurance discounts

Look to see if the companies you are considering give discounts to members of specified groups, such as AARP.  If you are active military you will find carriers who will cut costs for you.


The reputation of the carrier and its financial stability should also be things you consider. It is always a good idea to check online customer reviews to see what is being said.


Whatever you do, do not let your policy lapse as that will count against you in pricing. If you plan to change carriers, sign with the new carrier before your old policy ends. Otherwise you will have a gap in coverage that is considered a risk factor. That’s something that consumers don’t think about.




Posted in Car Insurance.



Home insurance is an important part of everyday life.  While it might be inconvenient for some to pay the premiums each month, doing so means that you and your family will be protected in the event that an unfortunate accident damages your home.


Get A Good Company


As with anything, some insurance companies provide better service than others.  Here are a few tips to help you pick out companies that are right for you:


  • Research online can reveal which companies have higher approval ratings  from their customer.  Reading actual customer reviews will give you a good idea of what the company is like to deal with.
  • Talking to the insurance agent will also give you an idea of how well the company deals with clients.  A friendly, knowledgeable agent will know the questions to ask to help you get the insurance you need.
  • Ask about different rates for non-smokers, newer homes, remodeled homes and other potential money saving policies that companies may have.
  • Get enough coverage to make sure that you are completely taken care of, should your home need to be repaired or rebuilt.  Many people often under-insure to save money on premiums, only to find out that the settlements won’t cover the cost of rebuilding.


Highest Ranked Companies in New York


In New York, there are a lot of companies that will give you home insurance quotes.  Here are three of the highest rated ones:


  1. Allstate – With a large part of the New York insurance market, Allstate also provides great tools to get you all the information you need.  Their site allows you to browse different options and figure out how much coverage you need.  They even have an app for your bill and coverage.
  2. Liberty Mutual – Some of the best rates in the business can be found with Liberty Mutual, so this could be a great place to get a New York home insurance quote. Discounts can be gained by being a member of a huge number of organizations or associations throughout the country.
  3. MetLife – This company provides homeowner insurance in New York for almost all types of residences.  Their coverage will pay for damage to property, personal items, and liability should you find yourself in a lawsuit.  They also have a National Catastrophe Response Team to help their clients with quick recovery.


Having the right insurance can make all the difference to your family during times of stress, and you should get New York home insurance quotes from the best companies out there.

Posted in Home Insurance Quotes.

Illinois Home Insurance Quotes

Getting a quote on home insurance can be scary and often painful.  If you don’t know exactly what you need, and over-insure, your premiums can be high.  If you under-insure yourself and disaster strikes, you will lose a lot of money out of your pocket.

Fortunately, these companies can take the fear out of getting home insurance that will cover all your needs:

  1. Allstate – The headquarters of this major company is located in Illinois, and it has the best homeowner insurance in the state. The company’s online tools mean that accessing policy information is easy, and discounts for things like multiple policies, a history of no claims, early renewals and non-smoking homes are available.
  2. American Family – With a top rating for insurance companies, American Family is one of the largest providers of insurance in Illinois. Their policies cover all kinds or risks that can occur in your area, from fire, lightning and wind damage to vandalism and many more.  There are even options to protect you if your home is used as a place of business, making this one of the best places to get Illnois home insurance quotes.
  3. State Farm – A company that has a 30% share of the home insurance market in the state, this company has an A++ rating in financial strength. A solid reputation for customer service, discounts and service tools makes them a popular choice for people looking for home insurance.  They even provide mobile apps for Android and iOS devices.
  4. Farmers Insurance – This company has coverage options for a number of different types of dwellings: single family homes, condos, even mobile homes.  They have options for coverage of both your property and possessions.  Multi-policy discounts are available along with new home discounts, recently renovated discounts and others.
  5. Country Mutual – Country Mutual offers options for home insurance that cover direct loss to your home or property. The policies are very specific, so you know at the time you sign what is covered and what is not.  Some unique discounts are offered, which are not available at other companies, such as new electric wiring.

Getting Illinois home insurance quotes does not have to be a scary process.  Simply know what type of coverage you need, and check online resources and reviews of different companies.  All of the resources available to you will help you make the right decision in covering your home and your family.

Posted in Home Insurance Quotes.

Ohio Home Insurance Quotes

How your dog can affect home insurance


Ohio is green and verdant with plenty of land for a big dog to run, and big dogs are favorites with families who have property. But if you’re looking for Ohio home insurance quotes, you may find a little bump in the road if you have one of these bigger breeds:



German Shepherd





Presa canario

Pit Bull

Great Dane



It’s not their size that is a problem. It is their breed and the propensity of their breed to bite: the average number of bites reported for each of the breeds.  This may surprise you, especially if you dog has a gentle disposition, but these are some of the breeds whose owners most frequently file bite claims.  As you can imagine, insurers want to avoid the risk of claim, so when they identify statistical patterns in claim filing, they take notice.


It’s hard to take a dog on a case by case basis, so generalizations must apply. That’s why owners of these breeds and a few others considered “high bite risk dogs,” may find themselves turned down for bite coverage.  Other companies may write a policy but charge more for it.  And still others put a few requirements in place before they will write a policy for an owner of these breeds: owners may have to take their dogs to a serious training class or may have to muzzle them when they are around people.


Dog bites can be costly claims because they involve medical expenses up to and including hospitalization. In some cases, lawsuits have been filed and damages awarded. Dog bites cost companies some half a billion dollars annually. That is not a happy scenario for anyone, including the company writing the policy.


Even dogs of mixed heritage are treated this way if they have one of these breeds in their lineage.  And if your dog isn’t on this list, be aware that the list changes from year to year as it is updated with the most recent data.  Making it even more complicated, it’s not an “official” list, just guidelines that some companies follow.


Dogs bite more than four million people each year, so this could be costly situation for companies that write policies, and it is usually smaller carriers that restrict coverage because a big claim loss could mean big problems for them. Be sure to check before you decide on a policy.

Posted in Home Insurance Quotes.