New home purchases can be quite stressful and the number of details vying for your attention may seem endless. If it’s your first time, it can be all the more difficult because you’re in uncharted waters, so to speak, and you’re trying your best to avoid costly mistakes. Getting the best insurance rates doesn’t have to present another challenge and, in fact, is simpler than it’s ever been.

First, anyone buying a new home knows that homeowners insurance will almost certainly be required. The exception would be if you own the home outright without any portion being financed. If someone is lending you money to buy a house, you can be sure that they are going to want to have their financial interests in your property covered in the event of some type of disaster such as a fire.

For those fortunate enough to be able to acquire a new house without the use of financing, it should be safe to say that they’re smart enough to realize that, without insurance, their total investment would be at risk. Not only will a simple homeowners policy protect you in the event of structure loss, but the contents should also be protected for loss from theft or fire damage.

If you do a quick online search for insurance rates on new home purchases, you’ll notice an interesting thing. This market is huge. Imagine typing in a simple phrase like, “new home insurance,” and receiving 180,000,000 website addresses to consider. It’s almost incomprehensible.

Unlike automobile insurance, however, the top 10 or 20 sites on the homeowner’s insurance list are not predominantly big-name companies. Insurance companies have spent so many millions on television advertising in the past that their slogans have become household phrases. Think, “Own a piece of the Rock,” or, “You’re in Good Hands.” All these household-name companies are in the forefront of auto and life insurance sales on the Internet but in the homeowners insurance category, only the good hands people make it into the top 20 on the largest search engine.

What you’ll find instead are lots of insurance comparison companies doing business online. By using one of them, you can let somebody else do most of the work for you. You simply fill out one short data form and then let them search for companies and policies to best suit your needs. They’ll return a list of multiple providers and multiple price quotes to those requesting a free insurance quote. Your job becomes much easier and you might even get a call from a friendly agent offering you a great deal.