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7 Quotes for Homeowners Insurance That Will Make You Think Twice

"Home is where the heart is, but it should also be where you feel secure."

This quote by an unknown author highlights the importance of homeowners insurance. Your home is one of your most valuable assets, and you need to protect it from unforeseen events. Homeowners insurance can provide you with peace of mind, knowing that you are financially protected in the event of a covered loss.

"Don't wait until it's too late to get homeowners insurance."

This quote by the Insurance Information Institute (III) is a reminder that you should not wait until after a disaster to get homeowners insurance. If your home is damaged or destroyed by a covered event, you could be left with a large financial burden that you cannot afford. Homeowners insurance can help you rebuild your life and get back on your feet after a covered loss.

"Homeowners insurance is not just for disasters."

This quote by the National Association of Insurance Commissioners (NAIC) is a reminder that homeowners insurance can also protect you from everyday risks, such as theft, vandalism, and liability. If someone is injured on your property, homeowners insurance can help you pay for their medical expenses and legal fees.

"Make sure you have the right amount of homeowners insurance."

This quote by the III is a reminder that you should make sure you have the right amount of homeowners insurance to cover your needs. If you do not have enough insurance, you could be left with a financial burden if your home is damaged or destroyed.

quotes for homeowners insurance

7 Quotes for Homeowners Insurance That Will Make You Think Twice

"Don't forget to get flood insurance."

This quote by the Federal Emergency Management Agency (FEMA) is a reminder that flood insurance is not included in standard homeowners insurance policies. If you live in an area that is at risk of flooding, you should get flood insurance to protect your home from flood damage.

"Shop around for homeowners insurance."

This quote by the NAIC is a reminder that you should shop around for homeowners insurance to find the best coverage at the best price. There are many different insurance companies out there, so it is important to compare quotes before you make a decision.

"Ask your insurance agent about discounts."

This quote by the III is a reminder that you may be eligible for discounts on your homeowners insurance. There are many different discounts available, such as discounts for bundling your homeowners and auto insurance, discounts for installing security devices, and discounts for being a loyal customer.

Common Mistakes to Avoid

When shopping for homeowners insurance, there are a few common mistakes that you should avoid:

"Home is where the heart is, but it should also be where you feel secure."

Not getting enough insurance. Make sure you have enough insurance to cover the cost of rebuilding your home and replacing your belongings.
Not getting flood insurance. If you live in an area that is at risk of flooding, you should get flood insurance to protect your home from flood damage.
Not shopping around. Compare quotes from different insurance companies to find the best coverage at the best price.
Not asking about discounts. You may be eligible for discounts on your homeowners insurance. Ask your insurance agent about discounts.

Table 1: Average Homeowners Insurance Premiums by State

State	Average Premium
Alabama	$1,200
Alaska	$1,300
Arizona	$1,100
Arkansas	$1,000
California	$1,400
Colorado	$1,200
Connecticut	$1,500
Delaware	$1,300
Florida	$1,600
Georgia	$1,100
Hawaii	$1,700
Idaho	$1,100
Illinois	$1,200
Indiana	$1,000
Iowa	$1,100
Kansas	$1,000
Kentucky	$1,100
Louisiana	$1,600
Maine	$1,400
Maryland	$1,300
Massachusetts	$1,500
Michigan	$1,200
Minnesota	$1,100
Mississippi	$1,000
Missouri	$1,100
Montana	$1,200
Nebraska	$1,000
Nevada	$1,100
New Hampshire	$1,600
New Jersey	$1,700
New Mexico	$1,100
New York	$1,600
North Carolina	$1,200
North Dakota	$1,000
Ohio	$1,100
Oklahoma	$1,000
Oregon	$1,200
Pennsylvania	$1,300
Rhode Island	$1,600
South Carolina	$1,400
South Dakota	$1,000
Tennessee	$1,100
Texas	$1,200
Utah	$1,100
Vermont	$1,400
Virginia	$1,300
Washington	$1,200
West Virginia	$1,100
Wisconsin	$1,200
Wyoming	$1,100

Table 2: Homeowners Insurance Coverage Limits

Coverage	Limit
Dwelling	Actual cash value or replacement cost
Other structures	10% of dwelling coverage
Personal property	50% of dwelling coverage
Loss of use	20% of dwelling coverage
Liability	$100,000
Medical payments	$1,000

Table 3: Homeowners Insurance Deductibles

Deductible	Premium
$500	$1,200
$1,000	$1,000
$2,500	$800
$5,000	$600

Table 4: Homeowners Insurance Discounts

Discount	Description
Bundling	Get a discount for bundling your homeowners and auto insurance.
Security devices	Get a discount for installing security devices, such as burglar alarms and deadbolts.
Loyalty	Get a discount for being a loyal customer.
Claims-free	Get a discount for being claims-free for a certain period of time.
Mature homeowners	Get a discount for being a mature homeowner (age 55 or older).