Fire Insurance Quotes

 

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Maine Fire Insurance Quotes

Maine fire insurance can add that extra bit of security every homeowner is looking for. Insuring your home against fire and many other perils this type of policy will allow you to relax and enjoy your property. FireInsuranceQts.com offers a one stop shop to compare home fire insurance quotes from the best companies in the nation. You simply complete a simple application form and then expect multiple insurance quotes within minutes.

From Portland to Bangor and beyond we can help you and your family find the right coverage at an affordable premium. By working with the best companies in Maine we can provide you a timely and comfortable insurance shopping experience.

Things to consider when shopping for home fire insurance

Insurance companies will try to offer the lowest rate possible on any quote they provide so they get your attention. While we understand that an affordable policy is very important be sure to understand that every quote is not the same. Even if you are trying to compare quotes with the exact same coverage limits there can still be a big difference between companies.

For example customer service from company to company can vary and some companies excel in this area year in and year out. Another item to consider is the claims experience of a company. Most insurance consumers don't communicate with the company but only when they have a claim. If your first interaction with the insurance company is due to a claim you are likely expecting a swift and painless process to get you back to whole. Having a bad claim experience will push most customers to look for another company.

Available discounts

Many homeowners have the basic safety and security items that will save them on their home insurance such as dead bolt locks, fire alarms and fire extinguishers. Some discounts are less common and could save you a lot of money on your policy. For example having a fire resistant material used for the construction of your home will help lower your premium as well as having multiple policies with the same company.

Insurance companies offer great discounts when you bundle your insurance policies including auto, home, and life insurance. By doing this alone it could save 30-45% on each policy. Consider getting quotes on your auto insurance along with the home fire insurance quotes to see how much savings are possible.

Credit history used to determine your policy premium

Most states by now have made it lawful to use credit as a rating tool for insurance companies. This means that it will be cheaper for those who have better credit histories to get insurance. While this may sound unfair to those who don't have great credit it has been shown that those with better credit tend not to make as many claims. If you want to get the lowest rate on home fire insurance in Maine then be sure your credit is in good shape.

Most insurance companies will use different ways to determine how credit affects the premium of a policy but the better the credit the lower the premium. This can mean that a consumer with a high FICO score of 730 may not get a better rate than someone with a 690 score. The insurance carrier may look at payment history to determine rates versus another may look at outstanding balances. Just understand that having your credit in good order will not only help you with loans but also insurance rates.

Home Fire Insurance Cities in ME

  • Portland
  • Lewiston
  • Bangor
  • South Portland
  • Auburn

 

 

 

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