Home Insurance

There are many insurance quote engines on the web. I would suggest going to something like “ask.com” and see what comes up. Though, I am a little confused. Renters insurance (HO-4) doesn’t cover your “home”, only personal property. If you own the house, you would want a homeowners policy (HO-6).

You’re not going to get an accurate quote online. So all the form filling out you do, when it’s time to buy the policy, you’ll have to do all over again. Sorry.

You’re best off going to two independent insurance agents in your town, and asking them to quote out with several different companies. That way, you’ll get 4-6 different quotes, from different companies. You WON’T get an Allstate, State Farm, Liberty Mutual quote that way, you have to go to one of their agents, who ONLY represent that company – they work only through captive agents.

OTOH, you’re looking at a $150 policy – that’s about what it is for $20,000 of “stuff” coverage, replacement cost on contents, and $300,000 liability. So it’s not much premium, ya know?

Also, keep in mind . . . when getting a quote, only the first agent asking for a quote from a company can get it for you – for example, if agent A goes to Travelers and asks for a quote for you, when agent B goes to Travelers to ask for a quote for you, they’ll be told that they can’t quote it, as it’s another agent’s quote already.

Hope that helps, although I know it’s not what you want to hear.

OH, and just keep in mind . . . they WILL do a credit score check when calculating eligibilty and rates – which is why you won’t find an accurate online place for renters insurance.