The “Best” homeowner’s insurance policy for you is the one that is going to do exactly what you want it to for approximately what you are willing to pay.
So what do you want it to do?
Most likely, fix your house or repair or replace your personal things should they be damaged. If so, the “Best” policy for you would be the one that would guaranty just that. No policy will do that as all policies have some exclusions and limitations, but the “Best” policy for you would have the fewest exclusions or limitations.
I suggest the “Best” policy would include Guaranteed Replacement Cost and all-risk* coverage on your home, all-risk* Replacement Cost coverage on your personal property.
The “ Best” policy for you would include Personal Liability coverage with a limit not less than $300,000. Should you need higher limits, a good Personal Umbrella endorsement should be available providing a broad insuring agreement and few exclusions.
The “Best” policy will be offered by an agent or insurer who will take the time to alert you to all the policy amendments available to address your specific needs.
The “Best” policy will be offered by an agent or insurer who will stand with you should a claim occur, treat you professionally and help you return to your pre-loss position.
The “Best” policy would be offered by an insurer who would not cancel you or increase your premium the first time you had a claim.
The “Best” policy would be offered by an insurer willing and able to insure your car(s) at a reasonable price even though you might have young inexperienced drivers.
If an insurance company is not willing to do provide these essential services, I question if they should be considered for any part of your business.
Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
Regardless of premium the best homeowner’s policy is the one that will pay what you expect it to pay when you have a loss. Setting limits is critical and this often requires professional help so seek out a good insurance agent. Comparing companies has limited value. The insurance commissioner in your state has determined that the company you are considering will keep their promises. The commissioner probably has ways to make sure that they keep their promises, and that is what insurance is all about, promises.
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The “Best” homeowner’s insurance policy for you is the one that is going to do exactly what you want it to for approximately what you are willing to pay.
So what do you want it to do?
Most likely, fix your house or repair or replace your personal things should they be damaged. If so, the “Best” policy for you would be the one that would guaranty just that. No policy will do that as all policies have some exclusions and limitations, but the “Best” policy for you would have the fewest exclusions or limitations.
I suggest the “Best” policy would include Guaranteed Replacement Cost and all-risk* coverage on your home, all-risk* Replacement Cost coverage on your personal property.
The “ Best” policy for you would include Personal Liability coverage with a limit not less than $300,000. Should you need higher limits, a good Personal Umbrella endorsement should be available providing a broad insuring agreement and few exclusions.
The “Best” policy will be offered by an agent or insurer who will take the time to alert you to all the policy amendments available to address your specific needs.
The “Best” policy will be offered by an agent or insurer who will stand with you should a claim occur, treat you professionally and help you return to your pre-loss position.
The “Best” policy would be offered by an insurer who would not cancel you or increase your premium the first time you had a claim.
The “Best” policy would be offered by an insurer willing and able to insure your car(s) at a reasonable price even though you might have young inexperienced drivers.
If an insurance company is not willing to do provide these essential services, I question if they should be considered for any part of your business.