For most people their home is their most valuable asset. Your home holds all of your precious valuables and its important to insure all of it. Usually most people are looking for local homeowners insurance before they move into their home. In many cases, your real estate agent will recommend various services including companies for local homeowners insurance. However their premiums might be more than you can afford and you need other options. When you choose to look online you get a wide range of choices for local homeowners insurance. The majority of websites that feature local homeowners insurance will ask you initially to enter your state and zip code. Youll get a chance to pick through a variety of listings of local homeowners insurance and get free quotes. Based on the information you provide about your home, a customer service representative can provide a more accurate rate estimate. In addition you'll be advised that in many cases a discount is offered when you sign up for local homeowners insurance. You get the convenience of paying your premium upfront with credit, debit or with a check. For every year after that, most mortgage lenders set up to get your annual premium out of your escrow.