There’s plenty of talk about the best home insurance company. You’ve seen ads on television shows, commercials promising all sorts of “great” benefits, and some promising low rates. Which one is the best? Often, it comes down to whether or not the company can give you access to more than one insurance product.
At Billy Brown Insurance, we’re independent insurance agents. That means we do not work with just one insurance underwriter or company. We represent numerous companies. This gives us the freedom to help you find the policy that fits you, your budget, and your home without all of that hype.
What Factors Help Us to Stand Out?
Several key factors make us one of the best home insurance companies to work with for most of our clients. Here’s a look at what we can do differently to support you.
You’ll Qualify for Coverage
Did you know that many companies will disqualify a home buyer from purchasing insurance for various reasons? Underwriters set their own rules and requirements for qualifying for coverage. They may disqualify you from coverage for reasons such as:
- You have hazardous materials at your home.
- You’ve filed a few claims in the past.
- Your criminal history is marked with a few misdemeanors.
- You haven’t kept up on the home maintenance.
- You’re operating a business out of your home.
There are many others, including risks associated with being in the wrong location. As independent agents, we can help you find more options for insurance policies that you do qualify for. That can help to minimize your risks of being disqualified.
The Right Type of Coverage
One of the key factors we often run into is underwriters who raise costs for some types of out of the ordinary factors. Most insurance companies offer policies that are labeled A through F. Each one offers different types of protections. What if you have something unique? That’s where we can come into play. We can offer you a coverage that’s fitting to your situation.
Getting You the Best Rate
It’s always necessary to have the right price for insurance. As independent contractors, a key component of the work we do is ensuring that you have options to choose from – and often, those options include lower rates from one provider to the next. This includes good prices even if your home is older or you live in a higher risk area.
Finding You the Best Company
It’s always important to know who you are working with when you buy home insurance. While there are many insurers and underwriters out there, they don’t all offer the same level of protection. You want to know that if you need to file a claim for coverage at some point, that you can do so with confidence. For example, we help you to know how financially stable the company is by providing you with the AM Best Rating information on them.
All of these factors come together to help us to give you access to a qualified policy that’s the right price. It’s coverage right for you and the best home insurance company available.
Stop Wondering What’s Better Out There and Work with the Best Now
Working with an independent insurance agent gives you the advantage. It lets you find the coverage you need from a wider range of companies and saves you time and money as a result. At Billy Brown Insurance, we want to be the best home insurance company for you by providing you with this huge range of opportunities. Contact us today to learn more.
