Homeowners Insurance Company: How To Choose One

This is a difficult but necessary topic to cover. You want to make sure you choose an insurance company that doesn't see loopholes where you don't. A company that hires benefit advisors who know your needs, average homeowner's house value, and local area weather conditions.

It's important to read the fine print on these contracts and understand what each policy covers before finally making a decision. As well as researching reviews of homeowners insurance companies in your area, to find out about how they treat their customers and what they offer in terms of coverage and price.

Finding a company that is reliable, fair and reasonably priced takes time and research. And it's an ongoing process every year you own your home. But choosing the best company in the beginning will save you lots of time and money down the road.

The following is a list of trustworthy homeowners insurance companies that are in business to keep their customers safe from natural disasters:

1. The Hartford Financial Services Group Inc: This insurance provider was founded in 1810, with the motto "Be there," it'll be there for you when bad weather catches you off guard or when your goal of losing weight doesn't work out as planned.

The Hartford offers home, life and auto insurance. Here's what you can expect from this company:

Great coverage in the event of fire, theft or vandalism and will also cover your possessions if you suffer a loss due to flood or hurricane.

You can always ask for help with claims service by calling Customer Service at 866-648-2447. They will be able to help you file a claim immediately. [ More ] 2. State Farm: This company was founded in 1922, they specialize in auto insurance as well as home, renters and motorcycle insurance policies.

They offer various discounts designed to help you save money on your coverage. Here's what you can expect:

Get a home insurance policy that protects the entire family and pets. Get inexpensive homeowners insurance, renters insurance as well as auto and motorcycle insurance with State Farm. You can also get special discounts on emergency road service so you can call them for help instead of waiting for roadside assistance to arrive at your rescue. [ More ] 3. Safeco: This company offers homeowners and renters insurance, life, accident and health coverage as well as car insurances for standard & customized vehicles.

They've been in business since 1922 with great customer service and they'll work with you if you need to file a claim. Here's what you can expect:

Get affordable home insurance, renters insurance, and auto insurance with this company. Also discounts are offered for having multiple policies with them. For example, if you have a homeowners policy and auto policy with them then you'll be able to get a good discount on your renters policy. [ More ] 4. Amica Mutual Insurance Company: This company was founded in 1936 and offers home, auto and business insurance policies as well as life and health coverage for individuals to small businesses.

They've received many awards for excellent customer service over the years throughout America. Here's what you can expect:

They offer a wide range of affordable insurance policies, and here are some of the services they offer: Homeowners, mobile home, renters, business owners and more. You can also get coverage for your boat, RV and even airplane. [ More ] 5. Chubb Group of Insurance Companies: This company was founded in 1882 and offers home, auto and commercial insurance policies as well as life coverage for individuals to small businesses.

They provide a wide range of affordable insurance policies and they're proud to be one the largest private insurance companies in the world insuring over 25 million customers worldwide. Here's what you can expect:

Low rates on insurance plans and discounts available for those with multiple policies. You can also choose a package that includes more than one type of coverage. [ More ] 6. MetLife: This company was founded in 1923 and they provide a variety of affordable home insurance policies, auto, commercial and life insurance policies as well as group health coverage for individuals to small businesses.

This company offers assistance throughout the country even though they've been around for over 100 years now. Here's what you can expect:

Low rates and discounts are available for those with multiple policies. They also offer multiple payment options that allow you to lower your monthly payments if needed. [ More ] 7. Nationwide Mutual Insurance Company: This company was founded in 1922 and they provide homeowners, renters, boat, motorcycle and RV insurance as well as life, business and health insurance for individuals to small businesses.

They're committed to keeping their customers safe from natural disasters by educating them on how to prevent losses. Here's what you can expect:

Discounts offered for having multiple policies with them. You can also choose discounts based on your needs such as living near a body of water or a lake. [ More ] 8. AmTrust Financial Services Inc: This company was founded in 1974 and they provide a variety of affordable homeowner's insurance policies both personal and commercial coverage as well as auto insurances for standard & customized vehicles.

They pride themselves in offering excellent customer service and they're licensed in all 50 states. Here's what you can expect:

They provide coverage for just about every situation imaginable and can also work with your current insurance provider to get you the best rates available. [ More ] 9. Prudential Financial: This company was founded in 1875 and they offer a wide variety of homeowner's, renters, boat, auto and motorcycle insurance as well as life insurance policies for individuals to small businesses.

Prudential offers some of the most affordable rates around so you can afford the protection you need at prices that fit into your budget. Here's what you can expect:

Prudential has been around for well over 100 years now and has a great history. They're committed to offering excellent customer service and they offer many ways to pay your premiums including automatic payments. [ More ] 10. Farmers Insurance Group of Companies: This company was founded in 1928 and they provide a wide variety of homeowner's, auto, retirees insurance as well as life insurance policies for individuals to small businesses.

They've been around for over 80 years with an A+ rating by A.M. Best, one of the leading financial reporting companies for insurance companies across America or A+++) by Standard & Poor's rating service, the second-largest credit rating agency in the world since 1997. Here's what you can expect:

They're committed to helping their customers with just about whatever they need and they always work to lower your rates. [ More ] 11. State Farm: This company was founded in 1931 and they offer a wide variety of homeowner's, auto, renters insurance as well as life insurance policies for individuals to small businesses.

They insure millions of people throughout the country and are known as a top insurance provider by all the leading reviewers. Here's what you can expect:

They're committed to good customer service and have very affordable rates through all your coverage needs. [ More ] 12.

Conclusion:

I think I've shown here that many of the best insurance companies are small and committed to your protection. No matter what company you go with just make sure you do your research first and see what companies have great reviews from actual customers. When it comes to insurance, the main things you want to look at are customer service and price. Some of these companies have great prices while others have excellent customer service. If you can find a company that has both then I would highly recommend them.