The price that you pay for your homeowner’s insurance can vary by as much as hundreds of dollars, depending upon the insurance company that you choose to do business with! There are a few things that you can do to help make your search for the right coverage and the right insurance company a little easier. Let’s take a look at some of these things!
The first thing that you can do is to take some time and shop around, before you make any commitments. Ask friends and family members who they use and the types of experiences that they’ve had.
You can check the National Association of Insurance Commissioners website at naic.org to get helpful information on the kinds of coverage that you should have, what you should pay and even see complaints about insurance companies.
You can also check the web for your state’s department of insurance. They often have a lot of valuable information that is free to you! Then there is the Yellow Pages and yes, even they are online. There are also consumer guides and online insurance quoting services. Last, but not least, there is your local independent insurance agent. An independent agent represents multiple companies, not just one, so you can get several prices all in one place!
We know that everyone looks for good prices, but you need to look for more, when it comes to your insurance. For example, is the company financially stable? What is their customer service rating? To get this kind of information you can use consumer magazines, as well as companies like Standard and Poors, found at standardandpoors.com or the AM Best Company, found at ambest.com.
Next time. we’ll look at another thing that you can do to make sure that you get the best insurance coverage for your money!