Home insurance is a necessity in Utah to financially protect yourself in the event of damage to your home, personal contents or a liability lawsuit.
In fact, your mortgage provider will require it to protect themselves.
Here are some ways to go about getting low home owner insurance quotes and even save some money.
One of the ways you can save money is to insure your home and autos with the same company.
This "multi-policy" discount could save you as much as 5 percent on your premium.
Also, increasing your deductible can lower your premium.
And make sure you are taking advantage of any other available discounts, such as having a burglar alarm.
One of the best ways to save is to shop around and compare premiums.
In Utah, rates can vary a lot between home insurance companies and you could end up saving hundreds by spending some time shopping.
One of the easiest ways to do this is to use the power of the Internet.
Insurance companies have made it easy for people to get quotes online.
There are two ways to do this: 1.
Visit the Web sites of individual home insurance companies.
They'll typically have a box for requesting a quote right on their home page.
You should visit at least three different companies -- or more -- to get a good comparison and find your lowest premium.
2.
Visit an insurance comparison Web site.
A comparison Web site is usually independent of a specific company and allows you to enter your information once, then you can receive several quotes back from different companies or agencies that provide home insurance in your area.
Of course you can also call local agents or branches of major insurers.
However you decide to shop for quotes, remember to provide the same coverage amounts, deductibles and other information for each in order to get the most accurate comparison.