How Would You Rate Your Homeowners Insurance Company?
How do consumers rate their homeowners insurance companies
? That can be very important to know if you are shopping for a new company or trying to decide if you will keep your old one. In fact, the way the company handles your business may even be more important than the price to many customers!
Sure, people shop for price when they look for a new home insurance company. These days, when most people are not getting raises, and many people are losing their jobs, home owners want to get a good deal. I understand that because the best way to stretch a budget is to keep expenses down. There is nothing wrong with looking for the best insurance rates when you are shopping for a new policy!
However, part of getting a good deal means that you are getting a good value. Getting a good value does not always mean that you are finding the very cheapest premium. Value means that your monthly payment goes towards great coverage and service.
How are homeowners insurance companies rated? You may find that this is critical to knowing about the sorts of things you will be concerned with many months after you have signed up for a new policy! When third parties poll current customers, they usually ask about a handful of things.One of the things they may ask is how the current customers feel about the price. But they dig a lot deeper than that!
The survey will also ask about how well the insurer handles customer service. This could be for any contact that is made with the company. So these customer service contacts could be anything from filing a claim over the phone to finding the answers to questions on the company website.
Many customers have concerns about the way the insurer handles billing. The survey will ask if the bills are clear and correct. Hopefully, we will rarely have to make a claim. However, we will have to pay our bills every month! So the way the company handles that bill will be very important. Any mistakes on the bill will be something we are likely to remember and comment on.
Some people want to pay their bill in cash, by check, or on the phone, or with an automated checking account deduction. Can the insurer accomodate you, or do you have to comply with a very rigid billing system? All of these things may be important later.
Different home owners have different needs. People who own mansions in the city, surburban tract homes, and beach cottages will have different concerns. Some of these home owners may be able to get their needs met very well by a standard insurance company. In some cases, you may be better off with a local or specialty company because they can offer you better products or services!
Hopefully, you now understand why you cannot just shop for the best homeowners insurance rates. Asking people you know for their opinion may give you some good information, but will not give you the whole story either. Your needs may be very different than the needs of your cousin, boss, or neighbor! Try to do a variety of research before your purchase a home policy. After all, your house is worth it!
by: Marilyn Katz
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