What Company Has The Cheapest Homeowners Insurance? 
Cheapest Homeowners Insurance ? One must be cautious when proceeding ; the term may be frightening to many ! What will you be missing by finding the ` Cheapest Homeowners Insurance ' ? Will the carrier not include some necessary endorsements rendering the policy useless should you have a related claim ? If you are qualified to compare one policy with another , you may wish to contact 10 companies and obtain a quote . Insurance carriers file their rates based on prior experience specific to each zip code . It is impossible to say which carrier has the cheapest rates without having a specific zip code . If you do n't feel that you are qualified to compare policies , you should contact a qualified brokerage who will have access to multiple companies and will be able to give you exactly what you want . If you are truly looking for the ` cheapest premium ' , we recommend purchasing the best policy and then adjusting the deductible upwards to match the premium you wish to pay . This way , you 'll accept a little risk but be properly insured without taking any short cuts . For assistance in California , Arizona & Nevada ; you may click on : WEBSITELINK For other States , you should search for a brokerage house that does n't charge any fees and places you directly with major carriers ; this is the best way to get access to many companies and only speak with one individual . 