Owner/Agent, Pelfrey Financial Services, Lexington, KY
Home insurance can be obtained numerous property and casualty insurance companies. If you currently have auto insurance, you may start with that company as having both auto and homeowners policies with the same company can provide discounts that reduce your overall cost. You can also get quotes online from companies such as State Farm, Farmer's, Liberty Mutual, and Allstate.
While these companies will provide quotes for their own companies, getting a quote from an insurance broker or AAA insurance can provide quotes from several different companies and may provide your best opportunity to find the lowest cost. Be sure to speak to an experienced insurance agent to ensure you have proper coverage. Just because once company has the lowest price doesn't make it your best option. Be sure understand deductibles and riders such as earthquake insurance.
Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
The first step in buying homeowners insurance is to go to your trusted insurance agent. That agent should listen to you, provide solid financial advice and communicate clearly with you and the insurance company. The agent will help you select appropriate limits. The time you have a claim is not the time to discover that you have inadequate insurance. In that regard, my counsel is to select the highest liability limit available.
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While these companies will provide quotes for their own companies, getting a quote from an insurance broker or AAA insurance can provide quotes from several different companies and may provide your best opportunity to find the lowest cost. Be sure to speak to an experienced insurance agent to ensure you have proper coverage. Just because once company has the lowest price doesn't make it your best option. Be sure understand deductibles and riders such as earthquake insurance.