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Selecting The Right Insurance Company

Selecting The Right Insurance Company

When you are buying a property the task of picking the right insurance company can be overwhelming on where to start. We have all seen the many ads for companies like Geico, State Farm, Progressive, and more. The sheer volume of companies and ads should be an indication of how big of a business the insurance industry is! So how do you go about picking the company that is the best fit for you? Here are some helpful hints. 
 

By Price

Contact 3 companies and begin collecting some quotes. The most important thing to do is to pay attention to the amount of coverage. One provider may have a less expensive quote but that can simply be due to less coverage on their policy so make sure you compare apples to apples. If you don’t want to handle this on your own, you could hire an insurance agent who can assist you with this. 
 

By Customer Service

Price isn’t the only item that matters with insurance. When the dreaded day comes when you have to file a claim you want to make sure you have them on your side. Do some research and check reviews, interview family, friends neighbors, and even your agent to see who has had what kinds of experiences. See who has a track record of responding quickly and paying claims quickly.
 

Other Things to Consider

Outside of price and great service, see what types of insurance policies these companies have to offer. You may want to leave your options open for other kinds of insurance and not all companies will underwrite everything. For example, you can often get a bundled discount if you have the same company wrap both your home and your auto policy together. 
 

Final Concerns

All insurance companies will be both licensed and regulated by your state so if you have any questions or concerns about a particular company, you can always have this office or division as a resource for answers or information.

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