subject: Buy The Best Home Insurance For You [print this page] Do you ever spend time thinking about your homeowners insurance policy?
What is the most expensive thing you own? For most of us, that is our family home. We live in that home, and it provides a center of security for our lives. And of course, it is a loan that most of us spend many years paying off. Really owning a home, without a mortgage, is a long term goal for many people.
So if I have established that owning a home is important, then it must be important to make sure that home is protected. We carry a home insurance policy to make sure that we are not devastated if something happens to it. While nobody wants to pay too much for a policy, we all want to be sure we have purchased the best coverage we can.
Look for a company that will provide great customer service. We all hope to pay our premiums without actually needing to use our policies. However, if we do need it, we want to be sure that claims are handled promptly and fairly.
I would advise anybody to research the customer service of any company they are considering. Some simple ways to research the customer service record are too search on line for comments from former customers. An even simpler way to do this is to just ask around.
You also want to make sure you homeowners insurance company is financial secure. You should look for financial rating guides. These could be from company rating sites or from information on the individual company's websites.
Of course, most of us are concerned about the monthly premiums too. There are a couple of ways to make sure you get the best deal.
You can search for insurers who offer discounts for some things you may already be doing. A home and auto policy discount is very common. This allows the company to save money on marketing to attract customers.
Other popular discounts are for anti-theft devices, smoke alarms, or other safety devices. Insurers believe these help cut down on claims so they offer a discount to encourage their use. These things do not cost the home owner a lot of money either, and they could save your life.
Now do not assume that insurers are all alike. For example, some companies do not offer car insurance, so you cannot get a home and car insurance discount! The discounts they offer, and the rates they charge, are set by the individual insurer. In order to get the best deal, be sure and do some comparison shopping.
In the old days, shopping for a good insurance company could mean days spent driving around to meet with agents. Even if you shopped by phone, you would have to spend hours in order to get competitive plans and quotes. The time it took to compare insurance quotes is probably why many people never shopped around for new policies.
But these days it is very easy to use an on line quote form to get competitive quotes from the convenience of your home computer. After you have completed the form, you can simply click the button to continue. There is no one best insurance company, but there is a best insurer for you.
by: Marilyn Katz
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