Check homeowners insurance ratings and coverage

Decide on a secure, smart and highly rated insurance company to work with in providing high-quality, solid home insurance to your clients. To check out an insurance company you are interested in use references and home insurance comparison. Homeowners insurance quotes are available at most every homeowners insurance company sites, homeowners insurance rates are also available with agent consultations.

I recommend: AIG Direct offers a home insurance plan called HomeSite, which provides insurance to home owners, renters and condo owners. Allstate has been around since 1931 and offers many different plans to accommodate the housing situations of your clients. They also offer discounts for certain situations. Print out policy information for a homeowners insurance comparison.

Protect your home-based business with the best homeowners insurance

Homeowners insurance will cover a large gamut of the things that can happen to jeopardize your home-based business, like burglary, fire and flood, but it may not be enough. The average homeowners insurance policy covers $2500 in business equipment while at home and only $250 when off the premises.

I recommend: Wells Fargo offers a Business Owners Policy that can be customized to fit the needs of your business. The coverage includes property protection and various liabilities coverage. Nationwide Insurance also offers a great small business owner's insurance policy which also includes crime coverage.

Include business protection in your homeowners insurance plan

Protect your business assets, equipment and profits with an insurance rider on your homeowner insurance. There are an assortment of riders to choose from including limited liability and limited coverage for loss of valuable documents.

I recommend: Add an endorsement to your homeowners policy. For around $20 a year, you can double your coverage and extend the liability coverage. With the AARP's Auto & Home insurance program from The Hartford, consider an in-home business insurance policy, which can mean the difference between a destroyed laptop and no laptop. Check out homeowners insurance ratings through various service providers listed on FreeAdvice.com.