It is always amazing just how few homeowners research and shop for better insurance policy rates. Many owners we talk to proudly tell us how they have been with their particular insurance carrier for more than 15 years. We ask if they have ever filed a claim and how they were treated. Most tell us that on their last claim, “everything was great, but…” Or they say, “their claim went just fine, except for…”
If you have been disappointed in any way, it’s time to push back and search for a new policy with a new company. Don’t stay with a company just because you’ve always had a policy with them. Or your family has always used that particular company. It’s time to vote for a new favorite! And you vote with your money!
Consumer Reports July 2015 ranking of the lowest-rated home insurers are Allstate, Farmers, American Family, Liberty Mutual, and Travelers. The companies that rated as the best are Amica Insurance and USAA Property & Casualty. If you have a policy with one of these lower-rated companies, it may be time to shop around, before…