There are three ways to approach your insurers. You could go for any of the big three; State Farm, Nationwide and Allstate. With these companies, you are likely to shell out 15% to 18% as in commissions.
You could also go through and independent insurance broker, who will help you compare quotes of several insurers. This route is likely to cost you 20% in commissions and is the most expensive.
You could also approach insurers like AIG Direct or Geico and avoid commissions altogether.
As a next step, you must be able to assess your requirement for insurance. For this you need to evaluate the replacement cost of your home. You will need to multiply the square footage of your home by the construction cost per square foot. You must get appropriate advice on this matter to ensure that you are neither underinsured or over insured.
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