When you request an insurance quote, don’t get nervous. There is no obligation to purchase that policy. Asking for a quote simply means that you will be made an offer of services at a specified rate. That is all it is: an offer. You do not have to take it.

Request as many home insurance quotes as you want. There is never any obligation. One thing to keep in mind, though, is that rates do change. In most cases an insurer will provide you with a quote that is good for a certain period of time, usually 10 to 14 days or so, but that may vary. After that time passes, the quote no longer applies and the rate could change.

So pay attention to the date you request quotes so you can adhere to the proper timeline. If you want to accept the policy and rate offered in a homeowners insurance quote, do so within the time period allotted by the company. If not, simply let it go and move on to the next.

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