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Your home is probably one of the most important and valuable assets you have. Whether you've purchased a new home or have paid off the mortgage years ago - congrats on either! - your home is an asset you'll want to protect and not be without.
If you have a mortgage on your home, the lending company may require you to show proof of insurance to assure both them and yourself that you are protected, financially and otherwise, in case of a disaster causing damage or complete destruction. Even if you have paid for your home in full, a disaster that leaves your home damaged or uninhabitable could cost thousands to repair or hundreds of thousands to replace. Most people don't have that cash on hand; or if they do, that's not how they would choose to spend it.
Saturday, October 1st
Lemonade can offer business 100% online to be efficient and to help save you time. You upload videos for a claim and receive your money almost immediately. They give back every year by donating excess premiums to charity. Lemonade is quick and easy. Apply online, file your claim online, and even receive your immediate payment - you guessed it, online. But if you'd rather talk to a person, you can still do that, too. This is a unique way to get home insurance, and Lemonade gets our highest recommendation.
Allstate has been around a long time and they'll have a policy for you. Their standard policy covers quite a bit, and there are several add-on policies you can choose to fit your coverage needs. They offer nice discounts, and they have free, online tools helpful especially for first-time home owners. You genuinely are in good hands with Allstate, and we give them one of our highest ratings among providers of home insurance.
Erie assures that your home will be covered in full whether there's damage or destruction. There are additional perks in their standard policy and there are even nice extras included such as animal coverage. Their service area is limited to just twelve states, so not every homeowner can get a policy here, but this is an insurer worth checking out if you live in an Erie-covered location.
Insurify is an insurance agency where the consumer can compare quotes to get the best, personalized homeowners policy. It's not an actual insurance company, but they can save you a lot of time to get you multiple quotes from various insurers. This is a great starting point for your home insurance research.
Chubb is a white-glove insurance policy to cover and help prevent most any disaster you can imagine. If you want the white-glove service and treatment and are willing to pay for it, consider Chubb. If you'd rather pick and choose what's included, weigh the add-ons, work with the deductibles, and so on to get the best bang for the buck, it's best to look at our other highly-rated home insurance companies.
Hippo offers modernized coverage for how homes are used today, covering home office equipment and electronics. You can also purchase insurance online, unlike some of the old-school companies that will only let you work with a live agent. You might pay a little more here, and a service area limited to 37 states keeps Hippo from getting a higher ranking, but this is still a decent option for home insurance coverage.
Nationwide offers a good policy, though it can be a bit pricey. You can get a quote and check out discounts online. The main complaint about Nationwide is their customer service: you might have a smoother claims experience with another provider of home insurance.
Liberty Mutual has been around for over 100 years and offers solid homeowners policies, add-ons, and discounts. They have a nice website and app, and you can communicate with a live person if you want. But, customer complaints are quite prevalent regarding customer service giving inconsistent responses and not getting the same claims agent twice. Try a higher-rated home insurance provider before you commit to a Liberty Mutual policy.
It's fast and easy to get a policy online. For many, it's a great decision. However, when it comes time to make a claim, you might not have purchased the right policy for you. For example, you may not have considered flood or earthquake insurance. You might not have insured your very valuable items individually, and if they're stolen, they're probably not covered.
On the other hand, if you work with an agent to get your policy, they will probably ask you a myriad of questions to get the policy you need. Online can be great, just be sure you know what you want in a policy.
Here are a few things to consider when purchasing a homeowners policy.
To provide you with the best information so that you can get the right policy and best insurance company for you, TopConsumerReviews.com has evaluated and ranked the most popular sources of homeowners insurance available today. Getting the right policy is like cuddling with a warm blanket, since you'll have that assurance you'll be covered if any damage or destruction to your home. The process of choosing a homeowners insurance policy might have seemed daunting and you may have avoided it for as long as you can, but we can help make it easy.
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