Published at Wednesday, April 18th, 2018 - 12:04:49 PM. Home Insurance. By Durand.
Person A has pretty good credit and has never filed claims on her home insurance. Person B has pretty good credit and has never filed claims on her home insurance. You would think that a quote from the same company on home insurance would yield similar, if not identical, results, right? Unless they are getting a quote on the same house at the same time, their quotes will most likely be different. Why is that? Why do home insurance rates seem to be so random? Home insurance rates are actually not random at all. Each insurance company doing business in Nevada has to file their rating structure with the Nevada Department of Insurance. The DOI can reject the rating structure if they deem it to be unfair or unlawful. Once the rating system is approved, the insurance company must then apply the rating structure to all potential insureds equally.
Your home, seeing that it is one of the most important and one of the biggest (if not the largest) investment that you will ever have, needs to be insured with the right policy. Having your home insured will provide you with considerably greater peace of mind knowing that you, your loved ones, your home, and all of the other valuables that you have inside are always protected. Home insurance, also known as homeowner's insurance and hazard insurance, is the type of insurance policy that you should get for your home in order for you to obtain this peace of mind we are talking about.
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