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Cheap homeowners insurance is cheap for a reason

Cheap homeowners insurance is like cheap anything else: of questionable value. 

Anything sold for considerably less than a peer product probably is of lesser value. Either the product’s materials are not of comparable quality, or workmanship is suspect. Of course, perhaps a producer does not plan to be in business long and simply priced a product low without hope of exacting any profit from it. Concerning this last possibility, a word to the wise: Be wary of producers who give away their products.