• Kelly Ann

How Do I Know I Can Trust My Insurance?


 

It can get frustrating navigating the insurance world with limited knowledge. Having an insurance company you can trust with your questions and concerns can be a lifesaver when you need to use their services. You want to know that when disaster hits, they will have your back. Having some knowledge about what to ask and look for can help you find the right fit for your insurance needs.

 

Check Reviews & Ratings


  • You can find out a lot about insurance carriers online. There are many sites available that offer tools and services to help direct your search. Their ratings evaluate and compare businesses against industry standards and practices. It is a thorough assessment of a company’s ability to meet customers’ expectations. Look for companies that are rated high in all areas.

  • Read carefully what customers are saying about an insurance carrier. Try one of these third party sites to get you started.

https://www.reviews.com/homeowners-insurance/

https://www.thesimpledollar.com/best-home-insurance/

https://www.toptenreviews.com/services/insurance/best-homeowners-insurance/

https://www.valuepenguin.com/best-homeowners-insurance-companies



Talk to People & Get Recommendations


  • Talk to friends, family members, and neighbors about companies they have used and had success with. Another great resource is those in the service industry that deal with insurance companies daily. Those in water restoration, plumbing, construction, etc. will be able to tell you which companies they have had positive working experiences with.

  • State departments typically offer online shopping guides for homeowners’ insurance. They may provide information about lesser-known companies that have great ratings and competitive rates.



Look at Access & Communication


  • When you have questions about your policy or need to file a claim, you will want a company that you can get in touch with easily. Look for companies that offer 24/7 services and support.

  • When looking at reviews, look for high marks when it comes to customer service and claims turnaround times. Shorter claims processing times are typically an indication of better service.



Shop Around & Ask Questions


  • Take the time and shop around for the right company for your insurance needs. Know what type of coverage you need and pay close attention to coverages, limits, and deductibles offered.

  • Be sure to ask questions to ensure that you are getting adequate coverage for all possible damages that may occur to your property.

  • Pay attention to policy limits and recoverable vs. non recoverablecoverage.


 

It takes a lot to build trust, and when you pay for homeowners’ insurance, you want to know that a company will be there and uphold their promises. Following recommended tips so that you can knowledgably choose an insurance carrier can mean the difference between a great experience and a bad one.





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Determine Which Insurance Policy is Right for You

Getting to Know Your Insurance Policy

Reliable Carriers & Changing My Insurance Policy

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