Free Online Homeowner Insurance Quote – How To Get The Best Rates!

Living in the modern world can be very expensive. Building a good and decent house alone can cost a family thousands of dollars. Besides building a house, home owners insurance is also important to consider. Unforeseen disasters can damage the house and the cost of repairs and reconstruction can add more problems and financial hardship if you haven’t purchased homeowners insurance.

Thousands of insurance companies offer diversified home owner insurance policies. But one must be very careful before purchasing homeowners insurance, as you could end up paying more than you need to.

Here are some tips on how to get low cost homeowner’s insurance and avoid greedy insurance companies.

1. Get personal recommendations. If you have trustworthy friends and relatives who have had good and long standing relationships with some insurance companies, heed their advice.

2. Hire the services of a good, honest and reliable agent. Insurance agents have a vast network of insurance companies and it can be easy for them to find low cost home owner insurance.
Just make sure you do a thorough background check.

3. Premiums are based on the location of the house, the condition and age of the house, and other similar conditions. Many insurance companies exploit these considerations so they can raise the premiums. The best way to get low cost home owners insurance is to get comparison rates from a few different companies.

4. If possible, try to investigate your local town or state policies in determining the condition of your house so the appraisal can be based on a neutral ground and not on the insurance company’s alone.

5. Shop around for quotes. There are hundreds of websites that give free online quotes for homeowners insurance, and this will save you tons of time. Online shopping may even be the best way to find low cost home owners insurance.

6. Add security measures to your home because this can greatly reduce premiums. But here is the catch: Some insurance companies do not recognize security systems that are unfamiliar to them, and the unfamiliar security systems may not automatically mean a reduction of premiums. The best way to get around this is to ask for advice from the insurance company about what security systems they recommend.

7. If you are very sure of the credibility and good services of the insurance company, it may be a wise idea to get bundled insurance policies from them. This means that the insurance coverage is not just for the home but for auto, health and life insurance as well. Many insurance companies offer discounts for these bundled policies, just like when you buy wholesale items in the grocery for much less than when you buy retail.

8. If you own a very expensive home and you need a complex insurance policy, it would be very wise to get the services of a good lawyer. Remember, insurance policies are essentially contracts and insurance companies have tons of lawyers working for them. These contracts contain legal information and you don’t want to end up losing millions or end up disappointed after your mansion gets swept away by a storm.


Why You May NOT Want to Use Your Health Insurance for Counseling

Why not use your health insurance for counseling? Isn’t that what it is for?


But using health insurance for mental health services is a little different than other medical issues. Sometimes mental health issues are not covered by your health insurance. Once you use your health insurance for mental health, you will have a mental health diagnosis on file – a mental health disorder/mental health illness must be on the insurance claim in order for insurance to pay for treatment. This will be in your permanent medical record.

Of course you want to consider using your health insurance for counseling, but there are some good reasons for you to consider why you may not want to use your insurance for counseling services.

Why doesn’t my counselor accept my health insurance?

Many counselors choose not to accept health insurance for very good reasons. They want to focus 100% of their time in treating you. If they accept health insurance, there is a lot of extra work involved in accepting insurance, in addition to agreeing to work for a discounted fee. The counselor may spend hours on the phone getting benefit information, authorizations, or following up on claims payments. The counselor has to wait a month for payment from the insurance company. The counselor has to file progress reports with the insurance company. The counselor is required to submit treatment reports and other details about your medical history with the insurance company.

It’s not that counselors don’t like insurance companies, or don’t want you to use your insurance (we have health insurance too!), but many counselors prefer to focus 100% of their time and energy in helping clients, rather than doing paperwork for insurance companies.

But this isn’t the only reason counselors may not be in network with your health insurance company.

The other reasons are more compelling, and you need to consider them BEFORE you decide to use your health insurance.

Many counselors prefer not to work in network with health insurance companies so that they can better protect your confidentiality. Any information (claims, reports, or treatment plans) filed with health insurance leaves the protection of their office and their locked files and your personal, private, emotional information is outside of your counselor’s office. In order for any insurance company to reimburse or pay for counseling (both in network and out of network), you must be considered “ill”. You must be diagnosed with a mental health illness or disorder. If you are not ill enough to warrant a diagnosis, then insurance will not pay for counseling services. If you do qualify for a mental health diagnosis, your illness will be listed in your permanent medical record. Many counselors don’t like this “medical model” of declaring someone ill, so they choose not to accept insurance because they want to focus on their client’s strengths, and not label them as mentally ill.

Do you want to be considered mentally ill? If you have a mental health diagnosis already, because you have been to counseling or psychiatric appointments in the past, find out what your diagnosis on file is. If you already have a mental health diagnosis, this may not be a concern to you, but if not, you may not want this in your medical record.

Counselors also do not like releasing information to others to protect your confidentiality. Once a claim is submitted to the insurance company, who knows how many people take a look at it and rubber stamp it while it travels through the system? If insurance pays for any counseling sessions (in network or out of network), then the insurance company has the right to audit your complete file. They can request copies of counseling notes, assessments, and other personal emotional information to determine if you really are “sick enough” to warrant their payment. They can deny services to you if they think you aren’t sick enough or if they think your counseling is not “medically necessary”.

Additionally, there are many counseling issues that are not even covered by insurance at all. Stress management and anger management are usually not covered. Marriage counseling is usually not covered. Certain medical conditions/mental health conditions may be excluded (such as attention deficit disorder or adjustment disorder). Even if your illness or disorder is covered by your insurance plan, they may limit the number of visits they will cover (sometimes only 20 per year), and they will set a maximum amount they will pay per calendar year or in your lifetime.

Additionally, counselors prefer not to have someone in the insurance company telling them how to treat their clients. Insurance companies can decide what type of counseling is covered, what diagnoses are allowed, and how many times the client needs to come before they are cured. Many counselors prefer to work directly with clients to serve their needs, without interference from an insurance company.

Using your health insurance for counseling services can also affect your security clearance, life insurance rate, employment, or future health insurance coverage.

For the above reasons, I recommend that you be informed about using health insurance for counseling. You may choose to file anyway, but be an informed consumer.

  • Be an informed consumer.
  • Know your mental health diagnosis.
  • Talk to your counselor about the diagnosis.
  • Ask your counselor about your treatment reports.
  • Decide if you have, or want to have, a psychiatric illness.

If you have clinical, severe depression, anxiety, or other issues, then you probably already have a diagnosis.

But if you are stressed, having relationship problems, or trying to figure out your purpose in life, your symptoms may be minor, and you may not want to have a mental health diagnosis in your records.

Once an insurance claim is submitted to your health insurance company, your diagnosis becomes part of your permanent medical record, and can affect future life insurance, preexisting conditions, or the cost of private health insurance.