Health Insurance Facts

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Health Insurance Facts

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A Home Buyer’s Guide to Home Insurance

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A Home Buyer's Guide to Home Insurance

Wilmington, NC (PRWEB) September 19, 2012

Today HomeInsurance.com launched a new resource, A Home Buyer’s Guide to Home Insurance, as a tool for first time homebuyers who are seeking home insurance shopping advice. The Guide offers tips to steer them through the home buying process and save time and money.
A Home Buyer’s Guide to Home Insurance, written by insurance experts, explains the necessity of having a solid insurance policy and contains information about how to spend less on a premium while still getting great value. The manual identifies features of a home that could trigger savings on home insurance premiums and outlines the process of buying coverage in six sections, including “Discounts You Should Be Asking For (But Probably Aren’t)” and “Shop Smart: Questions Every Home Insurance Buyer Should Ask.”
“So often homebuyers will jump into the first policy they are quoted because they mistakenly believe that all homeowners policies are created equal”, said Carlos Lagomarsino, Founder of HomeInsurance.com. “Coverage and premiums can actually vary greatly from one policy to the next. A Home Buyers Guide to Home Insurance aims to educate first time home buyers so that they can get the best coverage possible at rates they can afford.”
The Guide is also available to professionals who frequently work with first-time homeowners, such as realtors and mortgage brokers who may co-brand the Guide and use it as a resource for clients. For convenience and versatility, it is available in three formats: an infographic that can be embedded onto a website or blog; an HTML version that can be linked to; and a PDF that can be co-branded and used on any website or blog.
Home insurance is designed to protect homeowners from covered disasters and help them in the event someone has an accident on their property. Lenders require home buyers to purchase home insurance as part of the mortgage process.
A pioneer in online comparative insurance shopping, HomeInsurance.com, LLC operates multiple home and auto insurance marketplaces and is rated A+ by the Better Business Bureau.
HomeInsurance.com carrier partners include Travelers, Safeco Insurance, The Hartford, Liberty Mutual, Progressive, ASI/Ark Royal and Foremost.

Car insurance by age

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Car insurance can vary by age, because the typical risks involved with each age group vary drastically. Think you’re a great driver, because you’re old and sage? Not everyone would agree. Afraid of teens who always seem distracted? Don’t make assumptions: those kids might be better drivers than the average middle-aged man. Take a look at the infographic below to find out the truth about insurance breaks by age.

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How auto insurance compares to other household expenses

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When you think about your annual expenses, you might think that auto insurance is a major drain on your finances, and while we all want to save as much as we can, auto insurance in fact only accounted for 2.19% of overall consumer expenditure in the United States in 2009 (the most recent data) – or less than people spend on telephone bills.

We looked into statistics by the US Bureau of Labor Statistics and found that in all four regions of the United States (Northeast, South, Midwest and West) auto insurance accounted for a smaller portion of consumer expenditure than telephone costs, and only slightly more than what US consumers spend on television & audio.

Take a look at our latest infographic below for more comparisons between what people pay for auto insurance to what they spend on sweets nationwide, meat in Boston, housekeeping supplies in Chicago, gas in Houston and public transit in San Francisco. Are you surprised by these statistics or are they in line with your own expectations and experience?

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