independent insurance agent

August 9, 2012

Buying Home Insurance

Here are a few things you should consider before choosing to buy your home insurance from an agent: What type of home insurance companies do they represent? It’s important to know the financial strength and customer service of your home insurance company. Do I have enough insurance to replace all of my possessions? It is a good idea to conduct a home inventory and estimate the cost to replace your items if they were stolen or destroyed by a disaster. You can insure possessions by their actual cash value or their replacement cost – make sure you discuss what type of coverage is best for you. Is the agent available during non-business hours? Many insurance agents may only be available during regular office hours but […]