Shopping for homeowner insurance is one of those nagging home buying details that sometimes manages to slip though the cracks. It’s not unusual for insurance agents to receive last-minute frantic phone calls from title and / or escrow companies requesting a home insurance binder. To save yourself trouble, it’s a good idea to start shopping for a homeowner policy as soon as your purchase offer is accepted. Here are a few tips about buying homeowner insurance that are designed to save you time and money:

Insurance is an important part of financial planning, but understanding insurance and buying the right product can be tricky. 

Here are some steps you can take to ensure you get the right product for the right price:

1. Understand your needs.
   No one understands your financial situation better than you. That means you should avoid letting someone else tell you how much protection you need. You can get a rough estimate of your insurance needs by adding together your debt, estimated funeral costs, and six months to a year of income replacement.

We know that we do insurance to keep our future. By doing this, we must pay "money" to insurance  companies which called Premiums.

Premiums are the monthly cost of keeping your insurance policy in effect. But fortunately, you can control the cost of your insurance premiums.

Insurance companies charge you a premium based on how much risk there is that they’ll have to pay for a claim. By reducing that risk, you can get lower premiums.

Saving money on health insurance is a matter of making good choices.

In an insurance policy, the deductible is the amount of expenses that must be paid out of pocket before an insurer will pay any expenses. It is normally quoted as a fixed quantity and is a part of most policies covering losses to the policy holder.

The deductible must be paid by the insured, before the benefits of the policy can apply. Typically, a general rule is: the higher the deductible, the lower the premium, and vice versa. Depending on the policy, the deductible may apply per covered incident, or per year. For policies where incidences are not easy to delimit (for example health insurance), the deductible is typically applied per year.

There are endless types of insurance, from policies that protect airplanes to those that cover websites. But I’m going to focus on the six types that are most important for individuals and families:
There is insurance available for almost anything you can imagine. Famous singers have insured their voices. One well-known soccer player insured his right foot. An obscure British company was even issuing policies to protect against abduction by Unidentified Flying Objects.

Most of us, though, just need to insure the basics — our health, our lives, our homes, and our cars.

If you need something above and beyond the basics, it’s out there somewhere. And your insurance agent will be happy to help you find it.

We know that the insurance give us a profitable warranty if something happen in the future. But there's still some problem int some people community to choose the life insurrance which is the right one for their need.

Here is some important thing which you must understand before choose your life insurance :

1. Study your needs as a family.
   You must make the decisions as to which are the most important needs now and how much you can afford to pay for insurance that will protect you in the future.