What is the best homeowners insurance?

What's the best homeowners insurance?

• What's the cheapest insurance from a reputable company? the best coverage for my dollar.

• Answer:

  As an agent, I can tell you that it simply doesn't work that way at all. We have numerous companies in our office and certain ones are a fit for certain risks. Certain companies weigh credit more strongly than others, same with just about every type of rating basis. Some really give discounts for a masonry building or the territory. Also, companies are constantly changing their rates; so from year to year, the best company for you could change. Contact a variety of agents; independent (can quote multiple companies), captive (can only write one carrier...State Farm or Allstate) or direct writers who you can contact only over the phone or internet. Don't be afraid to show the agents your other quotes; the rate is the rate, they have very little control on personal lines accounts.