Researching home insurance companies can obviously turn into an overwhelming task with all the options available to you. So, Morse has some advice on how you can narrow down your field of possibilities.
You can evaluate whether a company might be the right one to insure your property using the following questions:
- Does this company provide coverage in the state where my house is located?
- Does this company offer competitive home insurance rates?
- What home insurance discounts does this company offer?
- Does this company have good financial strength on AM Best, FitchRatings, or a similar rating service?
- What are the customer service options at this company? For example, does it offer 24/7 assistance through a website, live customer service representatives, online bill pay, EFT, or all of these?
In addition, we strongly encourage you to read customer reviews for each company you’re considering, paying special attention to how people say the insurer performs on essential services such as responding to questions, fixing billing issues, and managing claims. Of course, it’s typically a red flag if an insurance company receives more complaints than compliments in these areas. Customer review sources you might want to start your search on include the Better Business Bureau, ConsumerAffairs.com, Google, or Clearsurance, which is an insurance-only review site.
Eventually, all this research might lead you to one or more homeowners insurance companies that have the traits you should be looking for—a strong financial footing, favorable reviews, and the coverage you need at a price you can afford.
You Can Make the Process of Finding the Right Home Insurance Company Much Simpler by Working with Morse, Of Course.
When you’re searching for a highly dependable and reputable homeowners insurance company that can offer the coverage and pricing you require, getting assistance from a local, independent agent like Morse can make the process a whole lot quicker and easier.
Our team has done the time-consuming work of researching home insurance carriers. We’ve selected and set up relationships with many top national and regional home insurance companies, including:
- Arbella Insurance
- Barnstable County Mutual
- Chubb Insurance
- Foremost Insurance Group
- Guard Insurance Companies
- The Hanover Insurance Group
- The Main Street America Group
- MAPFRE Commerce Insurance
- Mass Property Insurance (Fair Plan)
- Narragansett Bay Insurance
- Plymouth Rock Assurance
- Safeco Insurance
- Safety Insurance
- The Andover Companies
- The Norfolk & Dedham Group
- Travelers Insurance
- Vermont Mutual Insurance Group
We chose to partner with these insurance companies because of their dedication to making the insurance process as easy as possible for policyholders. For example, they provide access to online account management, bill payment, and claims reporting. They also have a strong commitment to customer service. Just like our Morse team, they will be there whenever you need support, but especially when you need them most, like if a serious claim arises.
How will you choose between all these excellent home insurance companies? Of course, Morse will assist you. Once we get to know you and your property, we will request quotes from several companies that we believe may be a match for your coverage needs. Then, we will compare the proposals and premiums and help you make an informed decision about which home insurance company is offering the protection that is best suited for your home and your budget.
No matter which insurance company you end up choosing, by working with the Morse team, you will always have a local, friendly, and skilled group of professionals you can call with your insurance questions or if you need to make a change to your existing coverage.