Best Homeowners Insurance

Which carrier provides the best homeowners insurance? How do you define best? There are several factors to consider: cost, customer service, reputation, financial strength. The most important is financial strength. Will they be able to pay out your claim? To assess financial strength, you can look at your insurer’s financial statements. You can also see if they are rated by Fitch, Moody’s, or Standard & Poor’s. They will provide a letter rating as to the financial strength of your insurer.

You will also want to assess the customer service of your insurer. Are they responsive to emails? Is there a long wait time to get someone on the phone? Search online for reviews about your insurer and see what other customers have said. If you file a claim, will they take a year to process? These are important questions you want to answer before selecting home insurance.

Where are the primary areas of your homeowners insurance carrier? Are they providing service to many people in your city? It’s a good sign if they have a strong presence in your area. If they have agents in your area, then you have a physical location where you can talk to someone about questions you have.

To find the best homeowners insurance, you will want to do your research. The cheapest might not be the best. If you have any questions, we are happy to help.