What makes an independent insurance agency a better option for finding you the best home insurance option? The answer is independence – they represent not just one insurance company but multiple carriers with different qualifications and products geared toward meeting your needs when it comes to buying home insurance.
It Is Important When Purchasing the Best Home Insurance to Ask These Important Questions:
- What might disqualify you for home insurance?
- Where can I find information about the policy?
- What effects the pricing of the insurance policy?
- How do you best compare policies?
Disqualifying Events for Home Insurance
If you have a criminal record, especially for acts of dishonesty or fraud, have made a lot of claims in the past, lapsed coverage, live under hazardous situations, require extensive maintenance or repair on your home or live in a high-risk area, you may be disqualified for home insurance coverage with some insurance companies. Working with an independent agency gives you access to many companies, improving your chances of qualifying for the best home insurance policy.
Understanding the Insurance Policy
The information about your best home insurance coverage is found in the policy itself. The Coverage A–F that you purchase gives you all the protection you need for your home. Requesting a copy of a sample policy from the companies you are interested in purchasing home insurance from and sitting down with an independent insurance agency will help you get any questions answered about the policy and determine the best one to buy.
Insurance companies use their experience underwriting customers in your area to determine how best to price their coverage. They also look at the age of your home, the cost, and the location, and with that information, come up with the right rate. You also need to consider the protection class you are; where your home is located relative to emergency services providers in your area can determine how quickly response will be if an emergency (i.e. fire, theft, etc.) happens.
When looking at the price, however, you should look at more than just the cost presented in the quote. You want to choose your best home insurance from a company that stands behind you should a claim happen, not one that is only interested in collected premiums from you every month. Your independent insurance agency can help you determine which offer is best suited for your needs.
Comparing Insurance Companies
Rating services like A.M. Best, provide a valuable service for insurance consumers. They give you an objective way to evaluate the financial strength and claims-paying ability of different insurers. This information is valuable because when looking for the best home insurance for you and your family to purchase, you need to have a standard that is uniform for determining who offers the best coverage. You want to work with an independent insurance agency that presents quotes from different insurance companies for your home insurance. Obtaining rating information from a service like A.M. Best from your independent agent can help you in comparing companies and making the best decision.
The Don Neeley Agency Can Help You Find Home Insurance
The Don Neeley Agency is a comprehensive, independent insurance agency. We provide our clients with an objective overview of their home insurance needs. Our objectivity, which comes from the fact that we don’t work with just one insurance company, provides you with the best options for your insurance at the best possible price. Simply contact us here at the Don Neeley Agency to find the best home insurance option for you.