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Home insurance rates can vary greatly from one insurance company to another. A quick research will find that there are almost 1800 providers in which you could choose from, but now you can find low cost home insurance online more easily then making a hundred different phone calls. Insurance companies are based upon a sharing program in which the money or premiums are placed in a pool then distributed and used when that insurance company has losses and claims by its customers. Back in the 1970s and before, several insurance companies would send salesmen into areas and neighborhoods to knock on doors then signing up large numbers of new customers located in these areas.However, one year brought a string of tornadoes that devastated entire subdivisions and small towns where these insurance providers had signed up so many new customers. Because of such devastation in a concentrated area several of the smaller companies had to go out of business before fulfilling their obligations and responsibilities to their customers who had paid their premiums. Larger companies were simply overwhelmed by the amount of claims that had to be filled out and completed. Not only was it a loss to the customers when those companies went out of business, but it was also a long period of time before many of the others were able and capable of processing their claims and rebuilding their homes.In evaluating of this unfortunate incident Congress enacted new laws that limited the amount of customers that an insurance company could sign up in any given area. This helps to keep all our rates low and protect the insurance company as well as the customers. Getting a quote by getting a home comparison in this age of technology should be an easy chore for the person searching for home insurance companies.A Quote can be accomplished simply by providing a few basic details and allowing your computer to search hundreds of different insurance companies that fit your needs. If you’re one of those who owns a home which is your most prized asset then there is no doubt that you need from a quality company that will provide you with a decent home owners insurance policy. A good home policy not only covers the house itself, but also other buildings on the property and the contents of the home for replacement.Many insurance companies will also check your credit rating when getting insurance so you yourself need to know what your credit rating status is. You also should have a very good ideal of how much it would cost to replace all the contents in your home including furniture, appliances, clothing, and a place to stay while your home is being repaired. Don’t forget most insurance companies only offer flood insurance as an additional. So make sure you ask the company just what all they cover in their insurance quotes. Remember, getting an online home insurance quote can save you hundreds of dollars from one insurance company to another insurance company.Well known names are not always the cheapest and best.