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As a general rule, get at least 3 quotes. For work that I dont do myself (Im a retired GC), sometimes I can find the right crew from only 2 or 3 site visits and sometimes it can take 8 or 9. For example, I lined up 3 roofers to meet with me to check my roof and give me quotes.
To get a homeowners insurance quote, youll typically be asked to provide identifying information such as your birth date and Social Security number, as well as the address of the home you want to insure. The coverages and limits you request will help determine how much youll pay for a policy.
In summary, while multiple quotes may have a minimal direct impact on your credit score, they are an important part of the process in finding the best car insurance rates and coverage. Always make sure to shop around wisely and within a short time frame to limit the effect of hard inquiries on your credit score.
Because a home insurance quote is only an estimate, it may not precisely match the price you end up paying for coverage. In some cases, an inspector may come to your home and decide that you need a different amount of coverage, which can change the price.
Get at least two. Make sure you are looking at the same coverage and more importantly, the right coverage and right level of coverage. Get as many quotes until you feel comfortable.
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You dont need to get a set number of quotes, but it is common to get more than one quote. Sometimes getting more than one quote can help show that the amount you are asking for is not excessive and is fair and reasonable.
The 80% rule dictates that homeowners must have replacement cost coverage worth at least 80% of their homes total replacement cost to receive full coverage from their insurance company.

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