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How to Choose an Insurer

Choosing a home insurance company is a big decision, and you want to be confident you choose the right insurer. Here are some tips to guide your decision.

Do Your Homework

When you are comparing prices on plans, check out the reputations of the companies from which you receive your quotes. Ask your family, friends, and colleagues what companies they use for their coverage and how satisfied they are with their treatment. How a provider treats its current customers is an important insight into how you will be treated in the future, so ask around. Find out all you can about the companies that provide you with pricing options before buying any specific product.

Check Up on the Numbers

A company that offers rock-bottom pricing is of no use to you unless it can actually pay your claim when the time comes. Thus, when shopping for a plan, you should always consider and research a company's financial standing. You want to know how the insurer has done in the past, how they are doing, and how they are projected to do in the future. Thankfully, there are independent financial indexes to help you with this research. You can consult Standard & Poor's, Moody's, or A.M. Best to evaluate the financial health of your prospective insurer.

Surf the Web

When it comes to deciding among the various estimates you receive, your state's department of insurance website is a must-visit. On this site, you will find valuable information about your company's customer complaint ratio and whether they are licensed to practice in your state. You can find the number of complaints customers issued per a certain number of claims filed with the insurer. You also want to make sure the provider is licensed to operate in your state, as your policy would be worthless without proper licensing compliance.