Here’s what drives me crazy about homeowners insurance quotes – they never match what you actually end up paying. Last week alone, I heard from three different homeowners who thought they’d locked in great rates, only to get hit with premium increases ranging from $200 to $400 annually. Why does this keep happening? Simple. When you first request homeowners insurance quotes, companies are basically flying blind. They don’t know your roof leaked two winters ago. They can’t see that your electrical panel dates back to the Clinton administration. All they’ve got is whatever basic info you share during that initial conversation. Then reality hits during underwriting. Credit checks reveal financial details that impact your risk profile. Property databases show claims history you might’ve forgotten existed. Sometimes an inspector shows up and discovers issues that weren’t mentioned in your original application…