Here’s how to never pay full price for home insurance in Illinois
The overwhelming majority of people that own homes aren’t able to find the cheapest home insurance in Illinois for a variety of different reasons – but that doesn’t mean that you have to be stuck with them paying a lot more for insurance and you probably should be.
By the time you’re done with this quick guide, you’re going to be able to save hundreds – maybe thousands – of dollars on your home insurance (over the lifetime of your policy) or without any real extra effort whatsoever you can simply visit an online quote site.
Shall we dive right in?
Ask your mortgage company for their recommendation about home insurance
The first thing that you’re going to need to do is ask your mortgage holder or lender for their recommendation about the cheapest home insurance in Illinois.
These financial institutions are always going to understand exactly who to turn to when it comes time to save money for their clients and customers. They’re going to understand the home insurance world inside and out, be able to tell you exactly how much insurance you need to carry and which insurance coverage’s you can skip, and will always point you in the right direction.
After all, they want to protect their investment as well.
Take advantage of “bundle deals” when available
The cheapest home insurance in Illinois is almost always going to be the result of some kind of bundle deal, and the more insurance policies you’re able to bring to a specific company as a bundle, the steeper your discount is likely to be.
Just make sure that you bring up the discount BEFORE you decide to move your insurance over. You don’t want to bring your new policy over to a company ahead of time without locking in a significant discount that save you at least a few hundred dollars that first year – and maybe even more!
Don’t be afraid to change insurance companies when a better deal presents itself
Lastly, though there is certainly something to be said about brand loyalty discounts, at the end of the day you need to be on the lookout for the best possible deals in the best possible offers you can find – even if you are currently under contract with a home insurance company. The cheapest home insurance in Illinois may not be available when your policy ends, so always stay on the lookout for these deals and jump ship to a better offer if it presents itself.