Comparing Home Insurance

Comparing Home Insurance in Frisco Texas

A home is the largest purchase that most people will make during their lifetimes. Because people have so much money tied up in their homes, it is vital that they buy a home insurance policy to make certain that their investment is protected for many years to come. All home insurance policies are not created equal. In fact, there seems to be a limitless amount of options to choose from regarding insurance coverage for a home. Therefore, homeowners must be very diligent when they are researching home insurance policies. The best way to expose yourself to the widest range of home insurance policies is to work with an independent insurance agent. Here are some of the biggest advantages for homeowners when they choose to deal with an independent insurance agent to help them with comparing home insurance policies:

1. Saving money

They can save you money because unlike an agent who works for a specific insurance provider, an independent agent will not try to get you to buy a policy from a specific company. Independent agents have no vested interest in any particular provider, so they can focus on finding you the best deal, no matter which provider is offering it.

2. Additional choices

Independent agents open up a wide range of possibilities in terms of the policies that are available when you are comparing home insurance. The options are much more limited for people who work only with a single provider.

3. Assistance with claims

If you have filed an insurance claim, an independent agent will be able to help guide you through the process. Independent agents are not required to follow the strict protocol that captive insurance company agents or call center employees are forced to follow. With all of the technical jargon used in the insurance industry, it is easy for insurance companies to take advantage of homeowners who are inexperienced. An independent agent can make sure that the settlement you are offered is fair.

4. Objective advice

The fact that an independent agent is not employed by the provider that you have filed the claim with means that they will be able to give you objective advice, instead of advice that is in the best interests of the insurance provider. He or she will not try to sway you in any direction and get you to buy a policy that you do not want or need. Agents who work for only a single insurance company are paid to make people believe their company is the best option on the market. They have a vested interest in getting you to sign up with them.

At the Roger Welch Agency, we represent multiples companies for home and auto insurance.  Give us a call today at 972-380-6677 or visit our website for more information by clicking here.