Getting the Best Home Insurance Quote

With Storms Anchor Insurance

Storms Anchor Takeaways

• You can get home insurance quotes online, by insurance quotes by phone, or insurance quotes by working with a local Storms Anchor Insurance Agent.

• Storms Anchor Insurance will get you insurance quotes from at least three companies to find the best price for the coverage you need.  (No need to spend hours reentering your information to get the quotes on your own).  

• When comparing quotes, we make sure all the policies have similar coverage and deductibles based on what you determine you need.

Shopping for home insurance isn’t something you do every day. Let Storms Anchor do it for you, once you’ve picked a policy, you’re likely to stick with it for at least a year (generally 3-4 years). That means that when you shop for a policy, it’s important to compare home insurance quotes and make sure you’re getting a good price.  Storms Anchor has seen companies charge differences of $1000's.  This is because each home insurance company has a specific client that they give their best price to, based on the information we obtain from you, Storms Anchor Insurance knows which insurance provider will match your needs and offer you the best price.   

But cost isn’t the only issue — you also want a policy that will meet your needs if disaster strikes. Before you shop, here’s what you’ll want to know.

Take Control of Your Insurance

It's easy to shop insurance with Storms Anchor Insurance, Get your quote online, Fill out a form with information we will need, and set an appointment for a phone call to discuss and purchase. Get notified when it's time to renew and we will get you your new home insurance quote or explore new options.

Home Insurance Quotes Tip: If your homeowners insurance rates recently went up, you're not alone — premiums are on the rise across the country. Storms Anchor compares home insurance quotes from multiple insurers to make sure your next rate is the lowest possible.  Don't guess on the insurance provider and be one of the 70% of people who are overpaying for home insurance.  

Where to Get Home Insurance Quotes from Storms Anchor Insurance.

You can get homeowners insurance quotes online, by calling the Storms Anchor Home Insurance Quote line.  Advantages:

Home Insurance Quotes Online

You can get free online homeowners insurance quotes from many companies on https://StormsAnchor.com. If you’re happy with the quote, you can often complete the purchase online. Sometimes you begin a quote online, but want an agent to finish the quote over the phone, not a problem just fill out the home owners insurance quote form and let us know the best time for us to call you with your quote.

• Online Home Insurance Quote Best for: Simple, straightforward coverage and quick quotes.

• Online Not ideal for: Complicated coverage needs or someone who prefers talking through options with a person so Give us a Call, or set an appointment.

Independent Insurance Agents and Brokers

If you want to talk through home insurance options without limiting yourself to one company, consider getting a quote from Storms Anchor Insurance, your independent agent or broker.

Independent agents and brokers work with multiple insurers and can offer a wide range of the best homeowners insurance quotes to compare. Because Storms Anchor's independent agents strive to provide you the best customer service possible. 

• Best for: People who want a professional to shop around on their behalf, and only have to talk to one person to get the best Home Insurance quote from multiple insurers.  

Did You Know...

You don’t need to wait until the end of your current homeowners policy's term to switch carriers. You can shop around and get a new policy at any time with no penalty. If you have a mortgage, make sure to let your lender know about the change.  Storms Anchor Insurance will provide a letter for you to sign notifying your mortgage provider of the date of change and effective dates of the change. As well as a letter to cancel your current provider.  Don't worry WE WILL SEND IT FOR YOU!!!  

What Do You Need for a Home Insurance Quote?

When you start shopping for home insurance quotes, insurers will have questions about you and your home. Here’s some of the information you’ll want to have on hand (Dec Page of previous Insurance) :

• Your address and how long you’ve lived there.

• The number of people and pets who live with you.

• The year the house was built, how it’s heated, and when its electrical and plumbing systems were last updated.

• The age of the roof and what it’s made of, such as slate, shingles, or metal.  

• The square footage, number of stories, and exterior materials of the home.

• Whether there are features like a garage, fireplace, burglar alarm, or detached tool shed.

• Whether you’ve filed any claims in the past five years.

• The date you want your homeowners insurance coverage to begin.

• If you want to save even more money on a home insurance quote consider bundling your Home Insurance with your Auto Insurance.  All you will need to do this are:

                 Drivers license (All drivers)          Vin#   (All Vehicles)     

Info on claims (date/amount) Desired Coverages

Storms Anchor Tip: If you don’t know when your house was built or its square footage, you can probably get these details from your local tax assessor’s office — often through a free online search. Try searching for "tax assessor" or "property records" and the name of your county or city. If you bought your home recently, you can also check the real estate listing. Many insurers and agents can fill in some of this information once they have the home’s address.

You should have a rough idea of how much coverage you want before you start shopping. If you already have insurance, the homeowners declarations page of your policy is a good starting point. You can see the coverage and extra features you have — but be willing to make changes. Before comparing home insurance quotes, it’s smart to evaluate how much homeowners insurance you need.

You can brush up on the basics by reading our guide to homeowners insurance coverage.

How to Compare Home Insurance Quotes

Whether you’re working with a Storms Anchor agent or on your own, plan to get at least three quotes. That way, you can feel confident you’re getting a good price. When comparing quotes, check that each policy has similar deductibles and coverage limits. Here are a few issues to look out for:

How Much Dwelling Coverage Do I Have?

Your dwelling coverage limit is the amount it would cost to rebuild your home after a disaster. (This amount isn’t necessarily the same as the market value of the home.)

Most insurance companies will suggest a certain amount of dwelling coverage based on the specific features of your home, though you can often choose a higher or lower amount. Because each insurer has a slightly different way to calculate a home’s replacement cost, it can be tricky to figure out which dwelling coverage limit is most accurate.

If one company’s dwelling coverage is significantly higher or lower than those from other insurers, it could be a red flag. For example, one quote may be much cheaper than the others because it offers $75,000 less coverage for the structure of your house. Those upfront savings might not be worth it if a house fire would leave you without enough insurance money to rebuild.

If you’re not sure how much coverage you need, build in a little wiggle room. Ask about extended replacement coverage, which offers a set percentage above your dwelling coverage limit in case your insured amount falls short. Say your home has a $200,000 dwelling limit but is covered up to 125% with extended replacement cost coverage. So you’d have up to $250,000 to rebuild your home if you needed it.

How Are My Belongings Covered?

Your insurer may cover your personal property on an actual cash value or replacement cost basis. With actual cash value, if an item is stolen or destroyed, the insurance company will pay you only what the item was worth at the time of the incident. For older items, that probably won't be enough to buy new replacements.

You may find a policy with replacement cost coverage to be worth paying a little extra for. That way, your claim payout will be large enough to buy new versions of the stuff you had.

Is There Enough Liability Coverage?

Personal liability insurance is the part of your policy that can pay the cost to defend you if someone sues you or files a claim against you. Say your dog bites someone at the park or a neighbor's child is injured on your backyard trampoline. Liability insurance can pay their medical expenses if they file a claim against you. If they sue you, your policy can cover your attorney fees and pay any legal damages.

Consider getting at least enough liability insurance to protect the value of your financial assets, such as your home, bank accounts, and investments. You may want to choose a higher amount if your lifestyle puts you at greater risk of getting sued — for example, if you own a swimming pool or trampoline or you participate in risky activities such as hunting or skiing.

What Are the Deductibles?

A homeowners insurance deductible is the amount of a claim you’re responsible for. So if you have a $1,000 deductible and a fallen tree does $10,000 worth of damage to your roof, the insurance company’s claim payout would generally be $9,000. The higher the deductible, the lower your premium is likely to be.

Depending on where you live, your insurance company may charge a separate deductible for certain types of claims such as those from hurricanes or windstorms.

For example, you may have a $1,000 deductible for most disasters but a 3% deductible for hurricanes. On a house with $300,000 of dwelling coverage, you’d pay for $9,000 of hurricane damage before your insurance company would pay anything.

Be sure you’re comfortable with the deductibles on your policy before you buy it. If you wouldn’t have enough money put aside to cover a high deductible, it’s best to choose a lower one.

How to Get a Cheap Home Insurance Quote

Shopping with Storms Anchor is the best way to find the cheapest home insurance quotes, but you can also try these other tips to find lower homeowners insurance rates:

• Increase Your Deductible: If you agree to shoulder more of the cost after a potential claim, you can substantially cut your premiums. Raising your deductible from $1,000 to $2,500 lowers your rate by an average of 11%.

• Bundle Home and Auto Insurance Policies: Many insurers offer both types of coverage, and you can get discounts for buying car and home insurance from the same company.

• Ask for Discounts: Price breaks are often available, but they vary from one company to the next. You might get discounts for having a smoke-free home, being retired, buying a new home, signing up for automatic payments, or being claims-free.

• Make Your Home Safer: Features like smoke detectors, storm shutters, smart-home technology, and deadbolt locks can result in discounts. You may also get cheaper home insurance quotes if you upgrade outdated heating, plumbing, and electrical systems.

• Build Your Credit: In most states, a good credit history can lead to lower home insurance quotes. Aim to make your credit card and loan payments on time and keep your debt as low as you can to build your credit score.

• Drop Coverage You No Longer Need: Review your policy documents and make sure you aren’t paying for coverage you don’t need. If you put extra insurance on that high-end computer a few years ago but it’s not worth much anymore, you’ll save money by reducing your coverage. Similarly, don’t forget to drop coverage for valuable items you no longer have, like a guitar you sold or a pricey ring you gave to a family member.

How to Compare Home Insurance Quotes

Comparing home insurance quotes is essential for finding the best rates, coverage options, discounts, and policy features tailored to your needs. Here’s a step-by-step guide to help you navigate the process:

Step 1: Assess Your Coverage Needs

Your home insurance requirements may differ significantly from your neighbor's. To determine the right amount of coverage, it's crucial to understand what a typical home insurance policy includes and excludes. This knowledge will help you structure a policy that suits your specific needs.

What Does Home Insurance Typically Cover?

Home insurance policies are divided into various coverage types, each with its own limit and purpose. Here's a breakdown of the standard coverage types:

Coverage TypeCoverage AmountWhat It CoversA - Dwelling CoverageEstimated cost to rebuild your homeYour home’s physical structure if damaged in a covered lossB - Other StructuresUp to 10% of dwelling coverage amountNon-attached structures like a gazebo, fence, or shed if damaged in a covered lossC - Personal Property50-70% of dwelling coverage amountPersonal belongings in your home, plus limited coverage for belongings in other locations (e.g., storage unit)D - Additional Living Expenses (Loss of Use)20-30% of dwelling coverage amountExpenses like hotel stays and restaurant bills if displaced from your home due to a covered lossE - Personal Liability$100,000-$500,000Legal expenses if you or a household member is found negligent for someone else’s injuries or property damageF - Medical Payments$1,000-$5,000Guests' medical bills if injured on your property

What Does Home Insurance Not Cover?

Home insurance policies typically exclude certain perils, such as:

• Earthquake and land movement damage

• Flood damage

• Wear and tear, neglect

• Pest damage

• War, nuclear hazard

• Power failures, government action

• Theft of a dwelling under construction

• Vandalism to a vacant dwelling (vacant for more than 30-60 days)

• Intentional bodily injury or property damage by the insured

Depending on your location, additional exclusions may apply. For instance, regions prone to tornadoes and hurricanes may have wind and hail exclusions. Separate endorsements can be purchased for excluded perils like earthquakes and floods.

Step 2: Obtain Quotes from Multiple Home Insurance Companies

Once you know your coverage needs, request quotes from several home insurance providers. Here are a few ways to get quotes:

• Online Quotes: Many insurers offer online quote tools. This is a convenient way to get an estimate of your policy cost, but often do not meet the needs desired by the HomeOwner.

• Captive Insurance Agents: These agents work for one insurance provider and are limited in the policies they can offer.  They are captive to their company and offer the pricing and insurance package their company is offering at the moment.

• Independent Agents or Brokers: They can provide quotes from multiple companies, offering personalized service and helping you find the best fit.  

Home insurance experts recommend collecting three to four quotes to get a comprehensive view of your options.  Storms Anchor Insurance provides you with multiple quotes from different carriers so that you can recieve the best home insurance for you.  Storms Anchor Insurance does the shopping for you, saving you time and money.

Step 3: Review Each Home Insurance Quote for Accuracy

Carefully review the quotes you receive to ensure they match the information you provided. Pay close attention to coverage amounts, deductibles, and whether your belongings are insured on an actual cash value (ACV) or replacement cost value (RCV) basis. These details can significantly impact your policy cost.

Step 4: Choose Your Home Insurance Policy

While your budget is important, it's not the only factor to consider. Choose a company with a strong financial history, high customer satisfaction rates, and robust coverage offerings. This ensures that your insurer will be there for you when you need them most.

Example of Comparing Home Insurance Quotes

To illustrate how to compare quotes, consider the following example:

Coverage TypeQuote 1Quote 2Annual Premium$1,573$1,800Coverage A - Dwelling$275,000$300,000Coverage B - Other Structures$27,500$30,000Coverage C - Personal Property$137,500$150,000Coverage D - Loss of Use$55,000$60,000Coverage E - Liability$300,000$100,000Coverage F - Medical Payments$1,000$1,000Deductible$1,500$1,000

In this example, Quote 1 has a lower dwelling limit but higher liability coverage and a higher deductible. Quote 2 offers higher dwelling coverage but lower liability limits. The best choice depends on your specific needs, budget, and risk tolerance.

Choosing the Right Home Insurance Agent or Agency is Crucial especially when disaster strikes.

At Storms Anchor Insurance, we understand the emotional turmoil that comes with unexpected events like fires, tornadoes, hail, or wind damage. Our mission is to be there for you, providing comfort and support during these challenging times.

Imagine the shock and fear that floods your mind when you see your home damaged or destroyed. The sense of loss and despair can be overwhelming. This is where Storms Anchor Insurance steps in. We are not just an insurance agency; we are your steadfast partner in navigating the aftermath of a disaster. Our team is dedicated to walking you through the claims process, ensuring that you understand each step and feel supported throughout.

When a disaster occurs, the first thing you need is reassurance. At Storms Anchor Insurance, we prioritize your peace of mind. Our experienced agents are trained to handle these situations with empathy and professionalism. We know that dealing with the aftermath of a disaster is not just about financial recovery; it's about emotional healing as well. Our agents will listen to your concerns, answer your questions, and provide the guidance you need to start rebuilding your life.

The claims process can be daunting, but with Storms Anchor Insurance by your side, you won't have to face it alone. We will help you gather the necessary documentation, file your claim, and communicate with the insurance carriers on your behalf. Our goal is to make the process as smooth and stress-free as possible, so you can focus on what matters most – your family's well-being.

One of the key aspects of our service is our commitment to transparency. We believe that you should be fully informed about your coverage and the claims process. Our agents will explain your policy in detail, ensuring that you understand what is covered and what is not. We will also provide you with a clear timeline of the claims process, so you know what to expect at each stage.

At Storms Anchor Insurance, we go above and beyond to ensure that you receive the support you need. We work with a network of reputable insurance carriers to provide you with comprehensive quotes that meet your family's needs. Our agents will shop around on your behalf, comparing policies and coverage options to find the best fit for you. This means you can rest assured that you are getting the best possible protection for your home.

In addition to our exceptional service, we also offer a range of resources to help you prepare for and recover from disasters. Our website features articles, guides, and checklists on topics such as emergency preparedness, home maintenance, and the claims process. We believe that being proactive and informed is the best way to protect your home and your family.

When you choose Storms Anchor Insurance, you are choosing a partner who will stand by you through thick and thin. We are committed to helping you rebuild and restore your life after a disaster. Our agents will be there to support you every step of the way, from filing your claim to receiving your payout. We understand that the road to recovery can be long and challenging, but with Storms Anchor Insurance, you don't have to walk it alone.

Now is the time to take action. Don't wait until disaster strikes to find out if you have the right coverage. Request a Home Insurance Quote from Storms Anchor Insurance today. Our agents will do the shopping for you, providing you with a few comprehensive quotes from carriers that meet your family's needs. With Storms Anchor Insurance, you can have peace of mind knowing that you are prepared for whatever life throws your way.

In conclusion, choosing the right home insurance agent or agency is about more than just finding the best rates. It's about finding a partner who will be there for you when you need them most. Storms Anchor Insurance is dedicated to providing you with the support, guidance, and protection you need to navigate the challenges of homeownership. Request a Home Insurance Quote today and experience the difference that Storms Anchor Insurance can make in your life. Let us be your anchor in the storm, guiding you through the rough waters and helping you rebuild and restore your home and your life.

Storms Anchor Insurance: Building a Community of Support

At Storms Anchor Insurance, we deeply care about each and every one of our customers. We have established a voluntary program for our customers to join, aimed at helping those in need within the Storms Anchor Insurance family. When disaster strikes a family's home, we alert our volunteers about the opportunity to assist, fostering a community of support to face the restoration and rebuilding process together.

For more information, please click on "Sign Up for Volunteer" and we will reach out to you with further details.

By following these steps, you can find the home insurance policy that best fits your needs and provides peace of mind.

What Goes into a Home Insurance Quote?

At Storms Anchor Insurance, we understand that many factors influence your home insurance quote, from the size of your house to the items in your closet. Different companies weigh these factors in various ways, so one insurer might be more lenient than another about your credit history or your backyard trampoline. To find the best rate, it's essential to shop around with multiple insurers.

Factors Affecting Your Home Insurance Quote

Your House

• Rebuilding Cost: The higher the cost to rebuild your home if it were destroyed, the higher your home insurance quote is likely to be. This cost depends on the size of your home and local material and labor costs.

• Age of Your Home: Older homes generally cost more to insure because components like pipes and electrical systems wear out over time and may not meet current building codes.

• Materials: Homes built from materials like brick or stone are cheaper to insure than houses made of wood, which is flammable.

• Security Features: Alarm systems, smoke detectors, deadbolt locks, and other safety features reduce the likelihood of theft or damage, so your insurer may offer a discount if you have them.

• Home Renovations: Your quote may be higher after you remodel the kitchen, add a deck, or make other improvements that increase the cost to rebuild.

Your Location

• Local Fire Protection: If you’re near a hydrant or fire station, you’ll likely qualify for cheaper home insurance than someone who lives in a more remote area.

• Natural Disaster Risks: Rates are typically higher in areas prone to hurricanes, earthquakes, wildfires, and other natural risks.

• Neighborhood Crime Rates: If burglaries are common in your neighborhood, your home insurance quotes may be higher.

You and Your Belongings

• Insurance Credit Score: In most states, a home insurance quote can be higher for people with blemished credit. Insurers say people with poor credit are more likely to file claims. 

• Your Pet: Home insurance quotes can be high if you own a dog of a breed that’s considered aggressive. This is because your liability insurance might have to pay if your dog bites someone and they sue you. Some companies may not be willing to sell you a policy at all.

• Your Belongings: If you own a costly musical instrument, expensive jewelry, or other valuables, you may need extra coverage that will increase your home insurance quote.

• Your Backyard Pool or Trampoline: Owning these items can raise your home insurance quote because of the risk of injuries they pose. If someone is injured using them, even without your permission, you could be liable.

• Your Wood-Burning Stove: Insurers may see your stove as a fire hazard, particularly if it wasn’t professionally installed or doesn’t meet code requirements.

• Your Home-Based Business: You may need to add coverage to a standard homeowners policy or buy a business owner's policy to cover business-related equipment, inventory, and liability.

• Your Previous Claims: If you’ve filed numerous claims, insurers may view you as a risk and charge you higher premiums. You may even see higher rates if the previous owner of a house you’re buying filed a recent claim.