Finding affordable, legitimate home insurance online from a reputable company is not as difficult as you might think. All you have to do is read the reviews of other homeowner companies and look for one that is completely transparent. Make sure you can see a summary of exactly what will be covered before you agree to anything and sign up.

Be sure to review your policy once a year, as a lot can change in just 12 months. If you currently have home insurance, is it affordable enough for your needs? Does it offer enough coverage or too much? There may be some “extras” added to your current policy that you can do without. Start looking for other quotes online and compare with them.

The value of your own home changes year after year. Unless you’ve done a lot of renovations and remodeling, the resale price will almost always be less than the price you paid for it. This means that if it is completely destroyed and you have to rebuild it from scratch, you will probably have to pay more for the new one than the one that was destroyed was worth. These are other factors to consider when looking for affordable home insurance.

Save with affordable home insurance

One way to save on insurance, especially if you live in a neighborhood with a high crime rate, is to increase the security of your property. The more protected you are against potential thieves and riot/civil unrest damage, the more you could save in the long run. It might be worth investing in some kind of alarm system, or even just adding an extra lock to your door and installing bars on your windows. Also, invest in a quality smoke detection system or even a sprinkler system to help reduce the risk of fire damage.

What about the contents of your house? If you have expensive, one-of-a-kind jewelry and a fine art collection, for example, you may need to add a rider to your current policy for them to be covered. Consider requesting a quote from a specialty insurer to determine if they can offer better coverage or rates for such valuables.

The problem with many home insurance providers these days is that they are pretty run of the mill. A really unique and good company to look for affordable home insurance is Lemonade. Discounts are easy to come by and Lemonade Insurance is very transparent. It stands out for its “Giveback” Program, and there is never a conflict of interest with those insured by the flat rate system.