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First Florida Underwriters Insurance blog

Valuing the Invaluable: Choosing the right homeowners Insurance

It is important to protect yourself with homeowners insurance since owning a home is one of the most valuable investments. In as much as the price is important when choosing the right cover, it is necessary to look at the insurance providers’ overall quality before consideration in order to get the most out of your money. The four main factors to consider include:

  • Claims processing

In the event of damages in your home, battling with an insurance company that you have been making payments to can be a nightmare considering the conditions surrounding the entire process of filing a home insurance claim. It is of significance to get an insurance company which you can easily contact the agent who will ensure timely payments.

  • Customer Service

Customer satisfaction is another important factor to consider. As a policyholder, it is comforting to know you can simply contact an agent who will treat you fairly and expedite the process of reimbursement without any hustles and inconveniences.

  • Coverage options

Most home policies cover damages for personal property, dwelling coverage, and liability insurance. Nevertheless, natural disasters like floods and earthquakes are in most cases deemed to be added as an additional policy. Apart from the standard home coverage options, an insurance provider that has other catastrophic coverage options to complement the basic options should be considered before making a purchase. We at First Florida Underwriters Inc. in Orange Park FL, offer additional policies.

  • Financial stability

It is important to investigate the financial stability of an insurance company before buying a home insurance policy because there have been rising cases of insurance companies failing to pay claims and policyholders losing their policies. This can be done by getting the company’s current financial statement and look at their growth rate and profitability or searching online resources in order to get a clear insight of the company’s financial strength.

In case you are a homeowner, visit Orange Park, FL agents with First Florida Underwriters Inc., to help you get the right policy that suits your needs.