Anyone who has considered purchasing a house knows that home insurance is a major factor to consider before buying. Despite what that insurance salesman might tell you most policies are similar to each other in their cost and coverage. It is truly the seemingly minor things that can make a big difference. Some mortgage companies require a one or two year escrow account that automatically pays the taxes and insurance as part of your monthly payment. Many homeowners elect to make these payments separately after the escrow period has ended and now have to select their own insurance company. First, and most important, is the track record of the company that is to provide your insurance: not all... [Read more...]