I like to blog about money saving tips, investment strategies, the intelligent use of credit, and things like that and this blog post is going to be about some useful tips for when you buy homeowners insurance.

If you are just purchasing a house for the first time, or if you are moving to a new area, or even if you just suspect you're not getting the best deal with your current homeowners policy, you may be looking to find a new homeowners insurance provider.

Before you select the company that you want to do business with, it would be a good idea to find some homeowners insurance company ratings so that you can get an idea about whether you think a certain company would be a good fit for your needs. One place to get some ratings of homeowners insurance companies would be from your states Department of Insurance. For most states, the Department of Insurance will have a website that you can visit and a quick search in your favorite search engine will allow you to quickly find this website.

The Department of Insurance for your state is a great resource. If there are any complaints filed against a particular company they would be on file with the Department of Insurance. You also be able to tell if an insurance company you are considering going with is in compliance with all of the local laws and ordinances. You may even be able to get an idea of the financial strength of the company which is important because if you need to make a claim at some point in the future it would be nice to know that your chosen homeowners insurance company would be able to pay the claim.

In addition to the Department of Insurance there are also private companies like J.D. Power and AM Best Co. that will raise insurance companies on a number of different factors including coverage options, price, customer satisfaction ratings, and much more. A little time spent doing some research will allow you to find the best homeowners insurance company and is time well spent.