Best Ways to Find the (actual) Best Home Insurance Rates

Every home insurance company proclaims that their rates and coverage are the best around. “Click here for the best rates online!” “Use our Comparison Tool to see how great we are!” “Stop looking, you’ve found the best home insurance company online!” Stop me if you’ve seen this all before. The unfortunate truth of the matter is that every home insurance company is going to use this line on you, but not everyone can be right. That means that someone is lying to you; so how can you easily check which ones actually might be telling the truth? There is no simple answer, but with the power of human ingenuity—and a little help from the internet—you might just be able to find the company that fits you precisely. Without further ado, here are my tried and true methods for finding great home insurance.
Check the JD Power Ratings
This one probably won’t net you your insurance agency right away, but it might just give you some insight into what other people like, which is a decent start for those who have no idea what they are looking for. All in all, the JD Power Rankings are a powerful tool; they give you an idea of what certain people think is the best, and they give you a link to their site, so you can see for yourself. However, the problem is JD Power only gives you one choice, and that’s the winner. There’s no comparison, no exact reasoning behind it; just a vote, and a winner. So, though we’d say it’d be a good place to start, JD Power should not be the end-all be-all in your home insurance rates. After you’ve checked out that year’s JD Power Rankings winner, it might be a good idea to look at…
Comparison Sites
Home insurance comparison sites—like consumerreports.org—are very powerful tools, as they give you an in-depth look at what consumers are looking for, what they’re getting, and what the experts are thinking. Then, they combine all of that, and give you an easy to look at score that provides you a great guideline as you try to choose the homeowners insurance that you want. I think the best part about this site, and comparison sites in general, are the fact that you get a whole bunch of information at once on one single page. There’s no jumping back and forth, and there’s no trying to discern whether or not you’re being lied to; these are people that actually have used the insurance, and they are telling you their experience in one, easy location. Granted, you do have to take the word of the internet with a grain of salt sometimes—and I would check out the websites before you go ahead and choose the top-ranked company—but, it’s still a great tool, and it’s something I really hope you check out before choosing your home insurance.
Hire a Financial Advisor
Okay, I understand that most people aren’t going to be able to afford a personal accountant; however, there are companies out there that can give you one-time referrals and advice, so you can feel confident in your choices. The referrals you get from these sites/services are from experts who really understand the home insurance industry inside and out. They’ll be able to take your financial situation, look at all the factors, and help you choose someone that you’d feel most comfortable with. Best of all, because some of these companies have one-on-one consultation, you won’t feel alone in your decision. This, though the most expensive entry, is probably the best for those looking for long term peace of mind. Remember this before you choose your home insurance policy.
This post was written by Tyler Fleck—a multi-purpose blogger—on the behalf of Peterson & Grantham Insurance. Visit their site for more home owner’s insurance quotes. Thanks for reading!