Get a Better Deal on Your Policy

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The Insurance Information Institute estimates that the average annual premium for homeowners insurance is $879. But so many factors affect premiums that the best way to comparison-shop is to establish the types and amounts of coverage you want, then call insurers for apples-to-apples price quotes. You could consult an independent insurance agent or broker who represents multiple insurers. To make sure you have the right amount of coverage, they send an appraiser to your home every few years.