Where to Compare Homeowners Insurance Rates and Companies

Brian Stevens
 


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Want to know where to compare homeowners insurance rates and homeowners insurance companies to get the best of both worlds? Here's where. . .

Compare Homeowners Insurance Rates

The best way to get the best price on anything is to comparison shop, and that's especially true when it comes to homeowners insurance. Rates for the exact same homeowners insurance can vary by hundreds, even thousands of dollars from one company to the next. That's why it's so important to compare rates.

There are websites that allow you to compare rate quotes from a number of different companies. All you do is fill out a simple questionnaire so you can tailor your insurance quote to your needs. Then all you do is wait for your quotes, compare them, and choose the best one.

The best insurance comparison websites have insurance experts on call so you can get answers to your insurance questions. You can talk with these experts through an online chat service or a toll-free telephone service (see link below).

Compare Homeowners Insurance Companies

In addition to getting the best insurance rate, you also want to get the best insurance company. There are a number of websites that offer insurance company ratings and reviews. Here are three of the best . . .

Your State's Insurance Department Website

Your state maintains a department of insurance website with information about insurance companies. Most states list consumer complaints that have been filed against insurance companies. If you state's insurance website doesn't list company complaints, you can go to California's website (insurance. ca. gov) to get that information.

If a company has a lot of complaints compared to other companies, you should avoid doing business with them.

J. D. Power & Associate's (jdpower.com)

J. D. Power & Associates rates insurance companies based on the opinions of customers who actually own insurance policies with those companies. These ratings give you a good idea of how a company treats its customers and pays its claims.

Ratings vary from five circles ("Among the best"), to two circles ("The rest"). I recommend going with companies that have a three circle rating or better.

A. M. Best (ambest.com)

A. M. Best publishes an insurance company's financial ratings. These ratings measure an insurance company's ability to pay its insurance claims. Ratings go from A++ (the highest) to D (the lowest).

You want to go with a company that has a B+ rating or higher.

Visit http://www.LowerRateQuotes.com/homeowners-insurance.html or click on the following link to compare homeowners insurance rates from top-rated companies and see how much you can save. You can get more insurance tips in their Articles section.

The author, Brian Stevens, is a former insurance agent and financial consultant who has written a number of articles on how to compare homeowners insurance rates and companies.

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