Answers to your Questions

I haven't had any claims, why does my insurance continue to go up every year?

For many people, it would be great if insurance premiums were always entirely dependent on claims history. Unfortunately claims history is only one of the many factors that determine insurance premiums. Another huge contributing factor is the amount of claims that have been paid out by your insurance company to others in your area. If the area you live in becomes higher risk to your carrier, premiums will increase for everyone.

Why is insurance so expensive where I live?

Insurance premiums are calculated based on a variety of different factors, one of the largest being the calculated risk in your area. For example, homeowner insurance in Houston, Texas is very expensive due to the fact that hurricanes frequently sweep through the area causing damage. Also, automobile insurance in New Jersey is extremely expensive because of the large amount of accidents and claims.

What are the determinants in the price for my home insurance?

There are many factors that get taken into account when a company is determining your insurance premium. The factors that have the biggest impact are location, your personal claims history, claims history of those who live around you, the age of your home, central burglar/fire alarm, amount of coverage requested, type of policy requested, your credit score, what the home is made of, and what type of deductible you choose.

I am getting a quote with a fantastic price, but it's a company I have never heard of. Should I be worried?

There are many great insurance companies out there that do not advertise on TV, and thus aren't as well known as an Allstate or State Farm would be. The best way to learn about an insurance company is to research it through A.M. Best. A.M. Best is the largest insurance rating company in the nation, and contains information about all of the best and biggest companies. If you don't want to go through the trouble of researching a company yourself, send us an email and we will look it up for you and get back to you within 72 hours with of our findings!

What happens when I submit a quote online?

When you fill out a quote online, the quote information gets sent to many of the best insurance companies in your area. These companies then compete for your business, ensuring that you get the best quotes at the best prices!

What are the benefits of filling out an online quote?

The two largest benefits are time and money. What would have taken you hours of searching with each and every company to find the best price now takes only a few minutes to fill out a quote. Anytime you have companies competing for your business, you know you are getting the best prices the market has to offer.

Have a question? We'd love to hear it! Send us an email and we will respond within 72 hours with our answer. If your question is one that others might be interested in, it may even make the "Frequently Asked Questions" page!

E-mail: info@houstonhomeinsuranceonline.com