Nobody disagrees with the idea that having homeowners’ insurance is a great idea. What is a good homeowners’ insurance policy is a whole different matter though. Because not all homeowners’ insurance policies were created equal and because not all homeowners need and/or want the same coverage.
That means that you never get the first home insurance policy that drives by. Instead, you shop for them and compare them. The fast and easy way is to go online.
If you go to the sites of individual captive insurance agents, it’s going to take a while as you get one quote at a time. (Captive insurance agents being those agents who represent one insurance company.)
Much faster are site that aggregate quotes. But they have one drawback: they aggregate from major insurance companies only. Some of the insurance companies you have not heard of or hear rarely are better and in better financial position than some of the major ones.
A third option is to go to sites owned by independent insurance agencies. Those agencies work with many insurance companies and so, they have access to many insurance plans, some of them from major insurance companies and lesser known ones, some only from lesser known ones, some only from major ones.
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So, the fastest would be the sites that aggregate quotes but they’re not for everybody.
No matter what route you choose, the final point is to get a bunch of homeowners’ insurance quotes and what the policies cover, then do a side-by-side comparison, weed out the ones you don’t like. Then, make a note about what you like and don’t like about the offers, about questions to which you want further answers.
Once you have your finalists, you check them out further. Your state has a department that deals with insurance companies and a website where you can check them out. Because it’s not enough that an insurance company has a policy you like at a price you like. You also want to make sure it actually delivers (you want the ones with the fewest complaints).
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