Twenty or thirty years ago there wasn’t much question what you were going to do when you were shopping around for homeowners insurance. Insurance shopping was both complicated and time consuming without the Internet to help it along, so once you found a company you liked you stuck with it. Thanks to the Internet, however, homeowners insurance companies now have access to a wider panel of potential consumers than ever before-and as a result, it’s getting harder for those homeowners to decide what path is going to be the right choice for them.

There’s no arguing the benefits of finding a company that’s going to give you great homeowners insurance rates AND exceptional coverage. Having the chance to build a long term relationship with a company means that you get to know them, they get to know you, and you usually have very little trouble dealing with them at any point in your business relationship.

Remember, homeowners insurance companies love long term policyholders. Not only does this provide them with a stable customer base, it also opens the door to referrals to family and friends that are looking for coverage. After all, if your customers are happy with you they’re going to be happy to tell their friends how happy they’ve been. And vice versa…a single unhappy homeowner can cost an insurer thousands of dollars in business.

Just a point to consider.

In exchange for the benefits of long term, happy customers, most insurance companies are willing to offer you some great deals to stay with them. Of course, that doesn’t mean that picking an insurance company and sticking with them the rest of your life is necessarily the way to go. When you’re shopping around for homeowners insurance you’re looking for two things:

1) Great coverage, and
2) Great homeowners insurance rates.

Since there are literally hundreds of companies currently doing business in the homeowners insurance arena the coverage you’re going to find from company to company is going to be fairly uniform. They need to insure their clientele and they need to do it by offering a value that’s going to get people to sign on the dotted line. That makes the differences between companies virtually negligible. It also means that companies have to use their rates to lure in new customers.

There are some amazing rates being offered for new customers out there by today’s homeowners insurance companies-rates that make even the discounts you’re going to receive for being a long term customer look like pennies at the bottom of a piggy bank. And most of the companies that are offering these competitive rates also offer long term savings to their customers, so if you happen to sign in on an excellent introductory price and then decide to stay a while you’re going to be able to reap the benefits.

The bottom line is that you have many, many choices to consider when you’re shopping around for homeowners insurance quotes, and the rates you’ve got now might not be the best the insurance industry has to offer. Take the time to do your homework, and don’t be afraid to take the plunge and switch companies if the opportunity arises.

After all, you never know what great homeowners insurance rates the future has in store!

About the author

Cliff Berman is CEO of For more information on how to save on your homeowners insurance visit them on the web at