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Article 1 of 4 in Homeowners Insurance Claims |
Buying homeowners’ insurance: using an agent vs. Buying direct |
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This choice between using an insurance agency or buying homeowners’ insurance directly from a company is mostly a personal one. Will dealing with the same person about your insurance issues over time make you more comfortable? Do you want to discuss your insurance plans and needs with someone who knows your home, family or homeowners history? Do you want the agent to do the insurance shopping for you and handle claims? If the answer is yes, you want to deal with an insurance agency. Remember though, insurance agents receive commissions from the companies they represent, so this may limit your choices, and ultimately cost you a bit more.
Many people want to deal directly with a company because it is simpler and more straightforward, probably a bit less expensive, and the choices are strictly the consumers’ choices. You don’t have to go through an agent or wait until an agent is available. Direct writers generally have 24-hour toll free claims handling and service, so a phone call is all that’s needed. While you lose the personal service, this ease of use and savings may make this loss worthwhile. To receive a free quote, check out the Free Advice Insurance Center. |
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