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4 Things to Consider Before Purchasing Homeowner's Insurance



Purchasing homeowner’s insurance is a big part of buying a home and are many things to consider when you’re ready to purchase it. Here are four of the most important things to consider when purchasing homeowner’s insurance:

1. Rating
You purchase insurance expecting that you can count on them during the worst times of your life. An insurance company needs to be reliable, secure, and provide great customer service. Before you purchase your homeowners insurance, read reviews of the company you plan to do business with. There are many sites that provide these.

2. Internet presence
We now live in a digital age, and people expect to be able to interact with their insurance company through the internet at all hours. The problem is that many insurance agencies don’t have a good presence online. Before you choose a company to sign up with, see if they have invested into a robust internet presence. Do they have a nice website? Is the information you need easily accessible? Are they reachable via the internet? Perhaps you prefer face-to-face contact, so do they have good customer service? Make sure you know what kind of service to expect from your agency.

3. Payment
To most people, a homeowner’s insurance can seem like significant amount of money; however, many insurance companies offer different payment options. You can pay it all in one lump sum, or you can sometimes pay quarterly or monthly. These different options can affect the price of the policy. Not every company deals with payment of premiums in the same way. If this is something that matters to you, then make sure to ask your insurance agent before you purchase the homeowner’s insurance.

4. Multi-Line insurance
Some insurance companies only offer one type of insurance; however, companies like Wetzel offer many different types of insurance. If you are buying homeowner’s insurance, check to see if they also offer auto insurance. Lots of times you can get a discount if you purchase multiple policies together.

To conclude, it is important to know your agency and the people who work there. If you choose a local insurance agency, you’ll have a better chance to have a good and close relationship with them. This is something you won’t be able to achieve if you deal directly with a large insurance company. Here at Wetzel, we strive to have a close relationship with each of our clients.