Shopping for home insurance a thankless but necessary task

Shopping for home insurance a thankless but necessary task:

“Chances are you have seen your homeowners-insurance rates go up. Premiums have been rising steadily, according to the Insurance Information Institute, a trade group for the insurance industry. It forecasts that rates will rise about 3 percent, to an average of $879 this year. Weather risks, such as recent hail or wind storms, can drive up costs as well.

So if you decide to shop around, how do you begin?

First, determine if you’re marketable, suggests Gloria Thompson, an independent insurance agent with American Agency in St. Louis Park, Minn. If you have a history of claims, you may find it hard to find a good deal until the last claim is three to five years old, she said….” Shopping for Home Insurance

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