Agency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482
Start by talking to your Insurance Professional. It is important not only to compare coverage offerings and policy extensions and limitations, but also the companies that are offering this protection. Proposals and suggested coverage should be based upon the result of a careful Reconstruction Analysis which will determine the amount of recommended coverage for your home.
Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
The traditional way to compare home policies is to take the declarations page to another agent and ask for a comparison. You might want to do that with several agents. There are some websites that purport to compare coverages and prices.
The issue isn’t which company has the lowest premium but which policy provides the coverage that you require. If you paid less and the company failed to cover a loss you would have made quite a poor investment. It is better to know what coverages are available and get advice on which are appropriate.
I live in an arid part of the USA. However, one of the largest floods in history took place right here. I might want flood insurance even if I am miles from a stream. This and other coverages might come to bear and evaluating the risk is what your agent can help you do. If you have a policy and in twenty years pay $200 more than some other company, if you have the right coverages because an agent went over the policy carefully with you, you are the winner, not the loser. Good coverage means a good night’s sleep!
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The issue isn’t which company has the lowest premium but which policy provides the coverage that you require. If you paid less and the company failed to cover a loss you would have made quite a poor investment. It is better to know what coverages are available and get advice on which are appropriate.
I live in an arid part of the USA. However, one of the largest floods in history took place right here. I might want flood insurance even if I am miles from a stream. This and other coverages might come to bear and evaluating the risk is what your agent can help you do. If you have a policy and in twenty years pay $200 more than some other company, if you have the right coverages because an agent went over the policy carefully with you, you are the winner, not the loser. Good coverage means a good night’s sleep!