Homeowners Insurance

Whether you own or rent, you need home insurance designed to protect your home and personal property from all sorts of accidental damage. From fires to floods, grapefruit-sized hail to tornadoes, ice storms to earthquakes, we have seen it all affect our customers, and we have the insurance products and services to give them peace of mind.

Beyond weather damage, homeowners insurance is designed to protect you against other losses too. These include the replacement cost of your possessions, loss of use of your home, and even medical and liability coverage should something happen to others in your home.

How to get a “good deal” on homeowners insurance

When it comes to buying insurance for your home, how do you know what a good deal looks like? It can be frustrating and confusing trying to find a “good deal” on insurance rates, since a good deal can mean different things to different people. For some it means the lowest price. For others, it means securing comprehensive coverage from a highly rated company at a fair price.

However you define it, here are some things to consider when comparing home insurance companies:

  • Is the insurance agent you are working with independent or captive? The difference is that independent agencies like us can offer insurance from many companies, while captive agents work with just one insurance company?

  • What discounts can you qualify for?

  • What has been the history of premium rate increases for the insurance company?

  • What is the quality rating of the insurance company? (Do they have the financial resources to pay your claim?)

  • How does the insurance company handle claims?

  • How does the insurance company respond to catastrophes?

  • How much are the deductibles (the amount you pay out of pocket) for a covered loss?

  • Are you paying for replacement coverage for your roof and personal possessions, or for actual cash value (after depreciation)?

  • How does the insurance company determine the value to replace your home? (It’s not always what you paid for it!)

  • Does the agent take the time to ask questions to understand your circumstances or do they just give you a quote?

  • Does the agent take the time to answer your questions thoroughly? Do they help you understand the coverages?

  • Based on where you live, do you need to add Flood Insurance or Earthquake coverage?

What if I live in a condo or apartment?

Whether you own or rent, if you live in a multi-unit property, there are different risks to consider and various types of renters coverages. The professionals at Comma Insurance can help you determine the amount of coverage to protect your belongings and more. Call us for a renters insurance quote – or for advice on landlord’s insurance, if that is what you need.

When it comes to getting the right insurance to protect your home and property, the professional Comma Insurance team is ready to help you. As an Independent Agency, Comma Insurance is able to work with many insurance companies to find you the best homeowner’s insurance coverage at the best price. Contact us today to learn more. 405-225-2820