Home Insurance Quotes – Quick ways to get homeowners insurance

No one disagrees with the idea that having homeowners insurance is a great idea. However, what constitutes good contents insurance is a completely different story. Because not all homeowners insurance policies are created equal and because not all homeowners need and/or want the same coverage.

This means that you will never get the first home insurance policy that passes by. Instead, you shop for them and compare them. The quick and easy way is to go online.

Going to individual captive insurance agent sites will take some time as you will receive one quote at a time. (Captive insurance agents are those agents who represent one insurance company.)

Much faster are sites that collect quotes. But they have one drawback: they only collect from major insurance companies. Some of the insurance companies you’ve never heard of or rarely hear about are better and in a better financial position than some of the big ones.

A third option is to go to sites owned by independent insurance companies. Those agencies work with many insurance companies and thus have access to many insurance plans, some from major insurance companies and lesser known, some only from lesser known, some only from major ones.

The fastest are therefore the sites that collect quotes, but they are not for everyone.

Whichever route you choose, the final point is to get some homeowners insurance quotes and what the policies cover, then do a side-by-side comparison and weed out the ones you don’t like. Then write down what you like and don’t like about the offers, about questions you want more answers to.

Once you have your finalists, review them 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 for an insurance company to have 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).

You also want one that isn’t about to succumb. You can go to your public library and find books on insurer ratings, for example the AM Best Insurance Rankings series, or you can find them online (AM Best Insurance Rankings can be found at http://www3.ambest.com/captive/ default.asp). Your state’s insurance department website will also have links to some of them. They will also have links to complaint rates for insurance companies.

To find your state’s insurance department, go to http://www.consumeraction.gov/insurance.shtml (they give you physical address, website address, phone number). If you go to your state’s website, look for the “Reports” tab and look at the latest complaint ratios report.

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So speed is good, but you need an insurer to be close by if you need to file a claim and be able to pay. You need an insurer with good customer service. And you need an insurer that gives you the insurance you need. The quality of the insurance is always more important than the price.