Every family needs home insurance. Whether you’re living in the country or the suburbs, your home deserves protection. But sometimes finding that protection can be a difficult process.
With tons of options and agencies competing for your business, how can you be sure you’re making the right decision? Read on for 4 steps to help you select the best home insurance agency.
1. Understand Your Needs
Before you can find the perfect agent, you’ll first need to determine what you’re looking for in a home insurance policy. Things like the area you live in and the size of your home play a huge factor in your rates.
What do you need and what do you want? If this is your first time buying home insurance, it’s a good idea to take a quick inventory of your home.
This doesn’t need to be pinpoint accurate, but it should be fairly comprehensive. Look at your items, vehicles, and the age and size of your home. The more expensive your items, the higher your rates are likely to be.
Every homeowner has different needs. Make sure you have a solid understanding of yours so you don’t pay too much.
2. Shop Around Online
Thanks to the internet, it’s easier than ever to find a great home insurance agency. With a little bit of time and diligence, you could possibly save hundreds of dollars per year.
Of course, you can also call around to local agents and get quotes in person. These tend to be a bit more accurate in the long run.
3. Read Reviews
There are likely a dozen different home insurance agencies in your area alone. So how can you be sure which agency is right for you?
Once again, the internet is your biggest asset. Take the time to read reviews of each local agency that interests you. The more reviews you read, the better idea you’ll be able to learn about that particular home insurance agency.
Of course, not all reviews can be taken seriously. Some reviews — typically the 1 star or 5-star reviews — can be a little hyperbolic. Reading the “middling” reviews will often give you a clearer picture of the pros and cons.
4. Talk to Your Local Agents
Finally, your list of potential providers should be whittled down. It’s time to meet face to face with your agents and see what they can do for you.
You’ll want to treat these consultations much like you’d treat a job interview. Come to your meeting with a set of questions to ask your agent. Their answers can say more than any copy on a website.
You’ll want to ask about how often rates increase or if you can save by bundling different policies.
Ask them to give you a detailed description of the claims process, as well. Even if you never have to file a claim, agencies with a more streamlined process are often more efficient.
Amistad Is the Home Insurance Agency for You
At Amistad, we understand that you have plenty of other options for home insurance. That’s why we aim to make it our goal to give you fast, friendly service at a price you feel great about.
Get in touch today to learn how we can help you save with a comprehensive home insurance policy and keep yourself and your family covered.