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Thursday, December 5th
Insurify is essentially a lead generation website that is meant to help people input their personal information and details on their property and quickly compare quotes between different insurance companies. They say that you'll be able to purchase home insurance through them directly, but we found that we were constantly navigated to other company's websites and often didn't even end up with an online quote we could use for comparison. The idea behind Insurify is a good one, but it isn't always as helpful of a resource as they claim to be. It might be worth giving Insurify a try to see if they connect you with quick online quotes in your area, but it's not the best solution we've found.
Progressive has a great website that outlines a lot of the basics you'd need to know before signing up for homeowners insurance. We were able to get a really cheap quote from them in just a matter of minutes without having to provide things like our social security number. Unfortunately, the initial quote we received didn't seem to have near enough coverage for what we'd need. This is a common complaint among customers of Progressive. You'd be wise to work with one of their local agents and go back and forth until you find a good price and coverage point to meet your needs. Progressive has an "A” rating from the Better Business Bureau, but their customer reviews are mostly quite terrible from both people who have and haven't had to file claims. It seems their customer service can be flaky to work with and their quotes often go way up by the time you're ready to sign. We didn't find anything reassuring about Progressive, so they've earned a low rating.
No one wants to imagine their home getting overrun with water damage, enduring a natural disaster, having a fire destroy their property, or having to deal with theft, but it happens. Everyone should have homeowner's insurance for peace of mind and to be taken care of in case of an emergency or unfortunate occurrence. In fact, it's so important that you can't take out a mortgage anymore unless you can prove you have homeowner's insurance in place.
It makes sense that banks don't want to hand over a loan with the risk that something will happen to the property and render the owner unable to continue paying their mortgage. Since your home is such an important asset, you don't want to risk being responsible for thousands of dollars in costs if unexpected damage or destruction were to occur. Being uninsured in a time of crisis could result in total financial ruin.
Most people don't have enough cash in the bank to cover a major portion of or even the entire cost of their home. It's probably the last thing you want to spend your money on when you're already paying a monthly mortgage. Having good home insurance is the best way to stay financially protected and ensure that you always have what it takes to repair and maintain your house if something goes wrong.
If you're a new homeowner, it may seem a little overwhelming to find an insurance policy. Luckily there are lots of companies available these days for you to choose from. Companies have gotten better at using layman's terms and really spelling out all their policies for you, so that you know what you'll be paying monthly, what the policy covers, and how to make a claim if you need to. Usually a company will offer a few different price ranges you can choose from, depending on how much coverage you think you need, and you can easily compare them to decide what works best with your budget and covers the risks that most threaten your property and surrounding area.
We've done some of the heavy lifting for you here by going over the process different companies require for you to get quotes and reviewing what people have to say about their customer service and follow-through with claims. When it comes to a situation regarding insurance, you don't want to mess around. We can't overstate the importance of being able to rely on a company that's affordable and will hold your hand while you navigate stressful situations.
Since there are quite a few insurance companies to choose from that have different types of policies, keep the following things in mind when choosing who to go with:
Top Consumer Reviews has researched the most important things you'd need to know about choosing a home insurance plan. We hope this information helps you find peace of mind knowing that one of your most valuable assets is protected. We've tried to make things as easy as possible for you to feel confident in your decision about which home insurance company to go with.
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