Compare Home Insurance Quotes Blog

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Insurance is a sticky subject, and something that people don’t enjoy thinking about, let alone spending money on, but it is also essential. If you don’t have house & home insurance and something goes wrong then you will find yourself faced with a huge bill and potentially no easy way of paying it.

Shopping around on house and home insurance comparison sites is a good way of finding a suitable deal so that you get the insurance that you need without paying over the odds, some things to think about include:

  • – What the insurance covers
  • – The excess
  • Renewal periods 
  • – Premiums
  • – Discounts for long term custom/having multiple policies
  • – Exclusions
  • – Cover for family members

It is not uncommon for insurance companies to offer flexible terms such as allowing a family to take out insurance, and for the home contents insurance to cover not just the items in the main family home, but also the phone, laptop, iPad, etc that a teenager takes with them to university.

Many home contents insurance companies will cover phones, cameras and other small valuables when you take them away on holiday, too, and this can be handy if you have any expensive kit or if you are worried about losing something.

When you buy a property, you are likely to be instructed to take out buildings insurance by your mortgage company. Some banks will offer their own insurance and this can be a convenient way of addressing the need, however, if you shop around on a comparison site you might find that you can get a better deal in terms of cheaper premiums for the same level of cover.

Find an Insurer You Can Trust 

While the insurance industry is quite strictly regulated, there are still a lot of online-only companies that are cropping up that are not well-known or established, and it is perfectly normal to feel wary of those companies. It is always a good idea to read lots of reviews and check how long a company has been in business before you spend money with them.

Read the terms and conditions carefully, especially when it comes to renewal and cancellation periods. One area where some companies catch people out is with renewals. They will offer an incredibly low premium for the first year but make the cancellation process quite opaque. Then, when a customer fails to cancel on time they will lock them in for another year with an auto-renewed premium at a very high price.

Reading and understanding the terms and conditions will make it easier for you to avoid such a scam because you will be able to put a note in your diary to start shopping around for a better price early so that you can change your insurance over and get a good deal. It is still always a difficult task to find a trusted insurer.

Always Tell The Truth 

As a customer, it can be tempting to ‘shop around’ by providing different details to insurance companies, and perhaps being less than truthful about your circumstances. This is fraud, and if you are caught doing it the penalties can be severe; at the very least, your policy may not pay out if it is believed that you lied when you took out the insurance.

For this reason, you should provide complete and accurate details on your application, so that you don’t have to worry about making a claim in the future. Hopefully, you will never need to make a claim, but it is worth having a good insurance policy for the peace of mind that it provides, whether that’s for going on holiday or coping with extreme weather, your home insurance has you covered.

Trying to find affordable home insurance can be a problematic experience. You may discover that many of the companies that offer this insurance are charging far too much. You may not realize how easy it is to get insurance for your home at a discounted price. However, you do have to choose the right company, a business that will offer you the exact coverage that you need for a price that you can afford. You also have to consider how much the deductible is going to be, and the extent of the coverage itself. All of these factors must be considered prior to choosing any policy from an insurance provider. That is why many people choose Pembroke’s home insurance over all of the others. Here are the reasons why you should consider working with this reputable company that has been ensuring homes for many years.

 Why You Should Get A Pembroke’s Home Insurance Policy 

One of the benefits of working with this company is that they have connections to some of the best insurance providers in the industry. Whether you need home insurance, car insurance, or any other type of insurance, they can always find a reputable company that you can get a policy from. They will ensure that you are getting the best premiums, and the coverage that you are requesting, plus deductibles that will be extremely low. Their goal is to always provide exceptional service for all of their clients, part of which involves getting policies that are the best in the industry.

What Other Types Of Insurance Do They Offer? 

There are several reasons that you should also consider getting other types of insurance from this business. They offer coverage for income properties, flood insurance, bonds, and also umbrella policies. If you also have a motorcycle or a camper, there will be policies that you can also apply for. If you are a student, you can look forward to discounted rates provided by the insurance companies working with this business that will offer you phenomenal discounts.

How Can You Get A Policy With This Business? 

If you simply want to get quotes on how much home insurance will cost, they can do that for you in a matter of hours. Sometimes you can do this even sooner. The quote that you will receive will show you how much coverage the policy will give you, and tell you how much you will be paying for the deductible and the monthly or annual premium. You may want to compare other companies that are also providing something similar, but what you will find is that Pembroke’s home insurance policies are among the best. They only work with businesses that are specifically looking for customers that are looking for the best deals in the industry.

How Soon Can You Have Your Policy Put In Place? 

It will be very easy to get your policy in place. Everything is done digitally. Once they have provided you with an offer, and you accepted, you will then have to sign some documentation. After you have made your first payment, which can also be done online, your policy will be in force from that moment forward. As long as you are making your payments consistently, the policy will never lapse. This will give you the peace of mind knowing that your house is fully protected. Best of all, the policy that they will provide for you will cover every aspect of potential damage that could happen to your home, allowing you to know you are fully covered for any type of event.

Should You Consider Getting The Flood Insurance? 

You may want to consider getting the flood insurance if you are in an area where heavy rains are very common. Although they may not happen every day, when you are in a season where there is considerable rainfall, then you will certainly want to work with this business that offers flood insurance for homeowners. The reason that you need this extra policy is that most insurance providers do not cover flood damage as part of a typical home insurance policy. This is standard across the entire industry, but what you can expect from Pembroke Insurance is that it will be offered to you at the lowest possible rate.

Can You Get Discounts On Home Insurance Like Car Insurance? 

A common question that many people have if they have discounted auto insurance, is they wonder if they can get discounts on homeowners insurance for the same reasons. For example, if you are a student, they often allow you to get a discounted rate, primarily because of your grades. Unfortunately, there are very few, if any, insurance providers that will give home insurance a discount simply because you are going to school. Although it is a large achievement to be a homeowner at a young age, the only way that you can save money is by choosing a company that charges less. That’s what you will experience when you get your estimate back from Pembroke, a policy that will provide you with full coverage for your home at low prices.

How Do You File A Claim? 

If you want to file a claim, this information is going to be provided in the documentation you receive once you have purchased your home insurance policy. There will be a phone number that you can call in order to initiate the claim process. Friendly representatives will make this entire process very easy. In the same way that they want to make it simple for everyone to get insurance through their business, the other companies make it easy for people to file claims. You can always count on this high level of customer service for all of the businesses that are working directly with Pembroke, one of the top insurance providers in the industry.

If you are ready to take advantage of the low premiums available for Pembroke’s home insurance, you can feel confident that you will always get the lowest prices. This will not only be for the premiums that you are going to pay on a monthly basis, but also the cost of the deductible that you will have to pay to initiate the benefits of the policy. You can find out more information by visiting their website or by speaking with a representative of the company. Everything that you will need to know will be presented on their site or by communicating with a representative directly.

Have you ever purchased mortgage protection before? You likely have if you currently have a mortgage on your home. MPI insurance is very similar to a life policy. In the event of your death, it will cover the remaining amount on the mortgage. It is a depreciating life policy of sorts that will be valued less each year, matching very closely to the value of your mortgage as you are making your payments. This is a valuable type of insurance, one that will be very useful for your family in the event of your death and their inability to continue to make the payments on the home mortgage. What you will want to do is start searching for companies that offer mortgage protection comparison. By doing so, you will see what many different companies are offering for MPI insurance, leading you to the most comprehensive and affordable policy.

Why Shouldn’t You Just Get A Regular Life Insurance Policy? 

One of the reasons that people favour this type of policy over standard life insurance is that it is far more affordable. Since it is a depreciating policy, the premiums are either going to remain the same at a very low rate, or the cost of the premiums will also depreciate over time. Sometimes people like to have one particular policy that covers a specific event. Therefore, you could have a regular life insurance policy that will pay a death benefit and another one that specifically targets your mortgage. If you are on a limited budget, and you would like to know that they will have a free and clear home to live in for the rest of their life, then mortgage protection insurance would be your top choice.

How To Find Reliable Mortgage Protection Comparison Websites 

These websites are very similar to other websites that do comparisons. If you have ever rented an apartment, you have probably used a standard apartment to find your website where you can organize all of the information. In this case, instead of looking at the cost of rent, or the size of the apartments, you are looking at the premiums and death benefit associated with this type of policy. Some of the companies that are offering these policies are well-known. They likely have national advertising campaigns. Others will not. The ones that are less well-known are simply not paying for a substantial advertising campaign, yet they may have very high ratings in regard to the insurance industry. These of the companies that you will want to target as you are doing your mortgage protection comparison on the web. They may actually have very reasonable rates, despite covering what could be a sizable death benefit, one that will easily match your mortgage and cover the pay-out in the event of your death. Now let’s look at how to obtain the best coverage using the information you obtained through mortgage protection comparison websites.

The Best Type Of MPI Insurance To Obtain 

As you compare the different policies, there are two primary factors that you are going to evaluate. First of all, you need to know that the total cost of the mortgage will be covered. Even if it does depreciate, you will look at a print out of how much it will depreciate over time. You can compare that with the value of your mortgage from your bank over the next 15 to 30 years, and see how close it will match up. The other factor is always going to be the premium. You need to know that you are getting the best deal. There is one other consideration to make and that pertains to the rating that the insurance company has in regard to all of the others. If it has high ratings, and if you can find comments from people that have used this company before, this can help you in making your final decision.

What If You Had To Choose Between MPI And Life Insurance? 

If you only have a specific amount of money that you can budget out for one of these policies, the one that you choose depends upon your situation. For example, if you have a job where you have an existing life insurance policy, and you also have a sizable amount of investments, mortgage protection would be the better choice. However, if you do not have any investments that your family will have after you are gone, and the company that you work for does not provide you with a life insurance policy of any type, a full life policy might be the best answer. It’s always going to be a situational decision based upon your current circumstances, and what you would like your family to have once you are gone.

How To Get The Lowest Prices On Mortgage Protection Insurance 

Even though these comparison websites are helpful in determining which companies offer the lowest premiums, there is one other strategy that you can use. If you prefer to work locally with insurance companies that are nearby, you might want to ask them if they are currently running any specials. One of those might be an add-on policy. For example, if you have one company that you have your homeowners policy through, along with your car cover, they may offer you a sizable discount on the cost of your mortgage protection insurance by bundling everything together. This is an option that you certainly should consider, especially if there is no clear winner in your research on the web.

Obtaining mortgage protection is an important decision. That is why finding mortgage protection companies online is your first step toward obtaining one of these policies. If you can, locate these businesses right away, compare their coverage and rates, and make a decision today. Likewise, if you have multiple policies through one particular provider that is local, see if they will add on this insurance at a substantial discount. There are always ways to save money on this that will pay off your entire mortgage in the event of your death, regardless of the principal amount of the loan on your home.

 

Whether you are a first-time homeowner or are planning to downsize, there is a lot to consider when purchasing a new house and once you have found your dream home, the last thing you want to worry about is the cost of house insurance. Well, do not fret as we are going to list some of the best money saving tips to help you get the right house insurance at the right price.

Skip The Bank if Possible 

If you have committed yourself to set aside a huge down payment or have access to your savings, then you may want to consider picking a less expensive house an go mortgage-free. This is a move that will attract a discount from the insurance providers and also help keep some extra money in your pocket.

Newer Is Better 

If you have the choice between a newly constructed and an older home, it is important to keep in mind that insurance providers offer discounts to newer houses. It is understandable as new builds tend to come with some kind of warranty and repairs are not normally an issue for the first several years. That to an insurance provider means fewer claims.

Settle for a Higher Deductible 

Deciding to pay a higher deductible in case of a claim is one of the easiest ways to reduce your premiums. It works like a seesaw: the more you pay as a deductible, the lower the insurance rates. However, do not abuse this tip and choose a deductible that you will have a hard time paying in case anything happens to your house.

Double Up 

Almost every insurance company offers incentives to repeat clients. So, consider buying your house insurance and car insurance policies from the same provider to take advantage of the incentives.

Sometimes, Less is More 

Yes, you are all excited about your new house purchase and want to ensure that everything inside it is protected. The key to saving money on home insurance is to ensure that it is not over-insured. Take the time to consider what kinds of coverage you need and do not need and pick accordingly. For instance, if you just have €40,000 worth of possessions, you do not need €80,000 of contents coverage. In order to figure out the right amount of coverage, you should consult a reliable and qualified home insurance broker.

 

Keep Claims to a Minimum 

You want your house insurance policy to cover you when you really require it, but it is worth noting that most insurance providers give discounts to those who are claims-free for a particular period. So, if you have a low-value claim, for instance, it is worth to consider whether it is really worth filing, or if it is best to pay for minimal damages and losses in order to keep your claims-free title.

Make Your House More Resistant to Damages 

Undertaking home improvement projects can help you save on premiums. Installing a backwater valve or sump, for instance, could reduce the chances of filing a water damage claim, and so, it will generally reduce your premiums as well. So, make your home as damage resistant as you can.

Embrace Your Age 

There is no denying the fact that insurance providers like mature homeowners. That’s because they tend to be more established financially and past the wild party or damage inducing days. If you are  45 and over, do not hesitate to ask for a discount on your home insurance.

Use a Broker to Shop Around 

Why should you pay more than you have to? An insurance broker will listen to your insurance needs and look for coverage options at different prices for you to pick from. They can also help point out other areas to get discounts and opportunities to save money that you may not know about. There is also no upfront cost for the initial consultations either, so do not hesitate to look for a reliable broker.

Pay Annually 

Spreading your premiums monthly may appear more manageable, but it is always more costly as you will be charged an extra admin fee. Learn more!

Secure the Perimeter 

You could also avail a self or company monitored security system to ward off intruders. A security system helps reduce the chances of theft and damage and most insurers will reward you with a discount for that effort.

Here are a few other security tips for your house that will help lower the cost of home insurance:

Make friends with the neighbours- You can ask them to open and close the curtains while you are away, check for deliveries and even turn the lights on and off. This will help give the impression that you are at home when taking that vacation.

Pick a security system that meets your needs. As mentioned above, there is a huge array of security systems from those that go off when tripped, to those that alert the police of attempted break-ins. Some are even advanced enough to help you control the lights even when not at home. If you travel a lot, the latter might be worth considering. Picking the right system also depends on where you live, how much you are willing to pay as well as the risk of burglary. Keep in mind that some insurance companies will not cover you if you don’t have the right system for your region.

Extra Security. You should ideally consider door chains, window locks, security lights, and burglar alarms. There is a huge array of security options to put your mind at rest and so, it is imperative to do your homework.

Utilize a Locksmith. A reputable locksmith can give a professional opinion on the type of locks that are ideal for your home. This is especially important if you are a landlord. You need to provide a  secure lock to external entrances according to the law, so seek advice.

CCTV. If you are particularly worried about your security, this might be an option. However, you will need to warn people about CCTV and ascertain they are used properly.

If you’ve ever owned a home or seriously considered buying one, you know that homeowner’s insurance is a pretty big deal. In many areas, it is a mandatory of the home buying process for the buyer to obtain some kind of insurance coverage on their new home. This isn’t as easy as it sounds, unfortunately, because homeowner’s insurance can be a complicated matter. The FAQ below will answer some of your basic questions about homeowner’s insurance, so that you may smartly shop around for potential policies.

What is Homeowner’s Insurance?

Also known as property insurance, homeowner’s insurance covers your home and its possessions in the event of a disaster. When damage is sustained to the home or its systems, the insurance company compensates the homeowner for all damages and loss.

What Does Homeowner’s Insurance Cover?

The most basic forms of homeowner’s insurance cover ten listed perils: Fire and smoke, lightning, explosions, damage caused by vehicles, damage caused by aircraft, theft, vandalism, damage sustained during a riot, volcanic eruptions and hail. Additional coverage is available but may require the purchase of a more expensive policy, for earthquake and flooding. Some policies also cover personal liability in the event of a person getting harmed on your property.

Is Homeowner’s Insurance Mandatory?

In some states, it is a legal requirement to purchase homeowner’s insurance when buying a home. Even in states where this is not the case, however, your mortgage lender will likely insist on this purchase before granting you a mortgage loan.

When Should You Buy Homeowner’s Insurance?

Homeowner’s insurance should be purchased before you reach out to a mortgage company for a home loan. Most of the time, lenders will not work with you unless you have taken this step.

Is Homeowner’s Insurance Covered by Mortgage Payments?

Unless the home has been escrowed, the answer is no. However, you may be made to pay for mortgage insurance in the event of your down payment being less than 20% of the home’s value. Mortgage insurance protects the lender, not the borrower, should you default on your loan.

How Do I Access the Benefits of my Homeowner’s Insurance?

If your home has been damaged by any condition that your policy covers, you need to file a claim with the insurance company to receive compensation. After the initial phone call, you will work with a claims adjuster to determine the extent of the damage sustained and the amount of compensation you can expect from a house insurance provider.