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We may debate on whether a home is the most precious investment you have. However, we can't argue about the fact that it certainly ranks among the most important. Homeowners insurance has therefore become widely accepted as a smart move. But you need to check regularly for two reasons....

Changes in your property or even the fact that your house might be a few years older now are reasons to do a check. It's a good idea to make sure your homeowners insurance policy is still relevant to your current coverage needs. Let's look at this example...

The value of your home when you bought your homeowners insurance might be a lot less than the cost of replacing it should anything happen. Your homeowners insurance limits determine what you'll get in the event of a claim. Can you replace your present home with your present limits?

You can easily pay too much for homeowners insurance. Other insurance companies might have something better for you. The only way for you to find out is to know what current offers are.

Things may happen within the insurance industry that could cause a change in rates by insurance companies. An insurer is bound by law to inform you about changes in policies that affect you. However, you don't expect your insurance company to tell you competitors that offer better price/value. Do you?

Even where your details remain unchanged you can still save a bundle by visiting at least three insurance quotes sites. All you need to do is obtain and compare quotes from them. That's how you can ensure you always know what the best price is at any time and if you're paying too much.

You run two main risks if you don't check your home insurance policy and insurer from time to time: You could have far more or less than you currently need or you may be paying far more or less than you should.

Quotes sites can help you find out if you're paying too much. Furthermore, they'd show you the insurance companies that offer the best rates.

Here are my favorite quotes sites for homeowners insurance...

Homeowners Insurance Quotes from InsureMe

Hometown: Homeowners Insurance Quotes

Chimezirim Odimba writes on Homeowners insurance.