1. You’re a statistic. To an insurer, you’re not a person; you’re a set of risks. An insurer bases its premium (or its decision to insure you at all) on your “risk factors,” including your occupation, who you are, what you own, and how you live. 2. Know your home’s value. Before you choose a

How much is enough homeowner's insurance? We've got some useful tips to help you figure it out. You need enough insurance to cover the following: The structure of your home Your personal possessions The cost of additional living expenses if your home is damaged and you have to live elsewhere during repairs Your liability to others...

Here are some ways to save money on your homeowner’s insurance. Shop around. Prices vary from company to company, so it pays to shop around. Get at least three price quotes. You can call companies directly or access information on the Internet. Your state insurance department may also provide comparisons of prices charged by major