It is extremely important to choose the right home insurer for your precious home lest you end up only with the insurance policy in your hand and the clothes on your back in case of an untoward disaster. An insurer that fulfills all your insuring needs without compromising your security or your financial stability will help you to remain calm in the face of any calamity.However, the key is to choose the right home insurer in the first place so that you get maximum cover at reasonable rates and more importantly receive your claim money as quickly as possible upon filing a claim. There are several factors that separate a genuine and efficient home insuring company from the competition and you should make sure that all your needs are covered by the company that you ultimately choose.The first step that you need to take in searching for a dream insurer for your dream home is to make a list of your own requirements. In addition to your home, you can insure its contents and also insure your garden, etc. for added protection. Although each insurer will try to convince you to take maximum cover, it will reward you well if you know what you want to cover in the first place. An honest insurer will offer genuine advice and pay heed to your needs instead of simply trying to saddle you with unwanted cover that will result in inflated premiums.You should certainly compare at least 3 to 4 quotes from various insurers to get a feel of the rates being offered as well as inclusions in each proposal. Although premium rates are very important they should not be the focal point of your final decision. You should opt for a home insurer that has a reputation for quick payments and wider cover instead of choosing one that offers very low premiums but harasses you when you file a claim.You should however, look out for a home insurance company that offers these following services, at the very least. The insurer should offer a high discount in order to attract you towards their company, as well as a ‘no claims bonus’ if you do not make any claim. The company should also offer alternate accommodation in case your home is made uninhabitable due to a calamity that has been insured by them.If possible, the insuring company should offer business and car insurance and a generous discount if you shift all your existing policies to their company as well. Not only that, but the insurer should spell out all exclusions clearly so that you do not get a nasty shock when you file for a claim. The insurer should also offer a discount if you have installed approved security alarm systems and lights in your home and property.Insuring your home should free you from worries and not turn into a nightmare in case any calamity strikes your precious home. It is extremely important that you tie up with a reliable and competent home insurance company in the first place so as to get the maximum required cover, at reasonable rates. Your insurer should guide you with honest intentions and also step in to alleviate mental and financial pain in case of an unwanted disaster.