Question : I’m having trouble deciding on the best home insurance between Fidelity and Safeco?
I’m purchasing a home with a value of 132,000, 1909 sqft., Purchase price at 90,000 and I’e received two quotes. One from fidelity and one from safeco: Below are the description of either coverage who can tell me which is the best deal.

Both Peril 1%
Fidelity Safeco

Dwelling 140,000 193,800
Other Structures 14,000 19,380
Personal property 70,000 77,520
Additional Living Ex. 56,000 Loss of use 38,760
Personal Liability 100,000 100,000
Medical Payments 1,000 1,000

Total 796.00 734.00
best home insurance quote

Best answer:

Answer by Margarita D
If I am reading this correctly it appears that Safeco is the better quote. However, you do not say what type of homeowners this, i.e. is it a quote for an HO-3? Do you have Replacement Cost Coverage included for the Dwelling and your Contents? Did you include Sewer/Water Backup Coverage and Ordinance & Law Coverage? Also I would definitely increase the Personal Liability to $ 500,000 & the Medical Payments to $ 5,000–the additional cost for this should be between $ 20 to $ 30 per year and will provide an extra measure of security for your assets. Also make sure that your deductible is $ 1,000.

As long as you verify these additional coverages/endorsements, I would go with the Safeco quote. Safeco is a great company.

I hope this helps. Good Luck!