As with any type of insurance, you are probably interested in getting the best possible deal on home insurance. Fortunately, there are tools that make it possible not only to search for policies, but also to compare home insurance with multiple quotes to find the best one for you.

For some owners, price is more important than anything else. However, this should not be the case, as overall value is more important than cheap rates. Consider both premiums and deductibles. Think about the costs of rebuilding your home. How much will it cost to literally replace everything that is your home and the property is completely destroyed? The current value of your home and the rebuild price will not be the same. Try to estimate how much you will be able to afford in deductibles in the worst case scenario and take that into account when comparing home insurance.

Here are some of the factors that affect the insurance quotes you will receive:

• Type of construction and age of the home

• Rental

• Credit score

• Deductible

• Certain risk factors (swimming pool, trampoline, aggressive dog breeds, etc.)

• Claim history

• Roof material

• The yard / property / landscape

Older homes are more likely to go wrong with electrical wiring, plumbing, HVAC systems, roofing, and general construction.

Comparison of types of home insurance coverage

There are certain things that general home insurance policies do not cover. Make sure you know exactly what is covered and what is not before making your choice. Sometimes these are gaps in coverage, where the policyholder thought they were protected but had incorrect or insufficient coverage. These problems can be avoided by carefully reading the terms of each quote provided to you.

Flood insurance, for example, is not always covered by basic policies. If you live in an older home and are concerned about plumbing, or you live near a body of water, you will definitely want to think about this. All it takes is a few inches of water to completely destroy your floor and some of your furniture. Even a small stream can turn into a raging river if it rains enough.

Discounts are sometimes available, especially if you install safety and protective equipment.

Where can you start with your home insurance comparison? All you have to do is search the unique insurance platform created by Lemonade. It even has an artificial intelligence robot that will help you create the perfect insurance for you. Get affordable and reasonable rates, especially if you use Lemonade House insurance discounts.