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Mercury Insurance offers affordable rates for drivers and homeowners, but the insurer's customer service reputation is below average.
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Home insurance, also known as house insurance, can cover your home and possessions from damage or loss due to things like fires, flooding, storms, and theft. ; If you claim, it might pay out to cover the costs of any repairs or replacements needed. ; There’s two types of home cover: buildings and contents. You can get them separately or as combined home insurance. Whichever works for you. ; Legally, you do not need it, but it’s a good idea to have some protection in place.
NYCM Insurance offers the best home insurance for most New York homeowners. A policy costs $503 per year, which is the cheapest in the state and $915 less than the statewide average.
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Add multiple cars to your policy: Adding multiple cars to your insurance policy can often lead to lower rates through multi-vehicle discounts. ; Bundling auto and home policies: We offer bundling discounts for loyal customers who purchase multiple policies through GEICO. ; Pay for your policy in full: GEICO may offer discounts to customers who pay their policies in full rather than in installments because it minimizes the risk of late and missed payments. ; Complete a defensive driving course: Insurers may offer discounts to policyholders who have successfully completed defensive driving courses because they demonstrate a commitment to safe driving practices and lead to a reduced risk of accidents.