There are many homeowners insurance companies on the market, therefore it is important for you to be armed with the right tools and know how to choose the best one. You need to start with a good selection of leading companies to choose from. You can get this, and quotes from each of the top companies, easily by using our convenient and free online quote tool above.
The company with the cheapest quote may not always be the best company to serve your needs. In fact, there are many things to look at when choosing the company to serve your homeowners insurance needs, not just price. When you receive a quote there are several steps to take before settling on which company is going to get your business.
1. Read the fine print, especially limitations and exclusions. If one company is significantly lower than the others, be suspicious that they are offering less than the others.
2. Carefully compare what each company has to offer, because since there is so much competition, insurers try to set themselves apart by offering extra coverage, convenient options, payment plans and discounts for preferred groups.
3. Research the customer service history of any company you are planning to use. With a simple online search, you can find out what a company’s claim turnaround time is and if there are a lot of complaints lodged with your state’s department of insurance about them.
4. Learn about the financial stability of the company you plan to go with. By finding out what rating they have with the independent insurance ratings companies, like A.M. Best, Standard & Poor’s or Moody’s, you will have a better idea of if they will be around when you need them and able to pay out claims.
The number of insurance companies doing business in America is huge. Amongst the top insurers throughout the country are the companies listed below.
You are now armed with the information necessary to make the best choice from the many homeowners insurance companies on the market. To get started with quotes, simply return to the top of this page and input your zip code to start the process. Before you know it you’ll be comparing prices, service and companies.