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Where To Get Homeowners Insurance Company Rankings
By Brian Stevens
Homeowners company rankings can tell you a lot about companies. Here's where to find company rankings that will help you determine which company is best for your homeowners needs.
Consumer Rankings
The best place I've found to get homeowners consumer rankings is at J.D. Power & Associates (jdpower.com). They are an independent information company that conducts customer surveys and provides unbiased customer reviews and ratings on a variety of products and services.
J.D. Power ranks companies based on their policy prices, policy options, claims handling, and customer service. Their ratings go from five circles (the best companies) to two circles (the worst). I recommend purchasing your homeowners with a company that has a rating of three circles or higher.
Insurance Department Rankings
Every state has a department of that oversees companies, and most states have a website that provides statistics. One of the most useful statistics they provide is a list of complaints made against companies by their customers. These complaints are a good way to find out how
reliable a company is, and how it treats its customers.
If your state department doesn't list company complaints, you can get this information at the California Department of website (http://www.insurance.ca.gov/).
All major companies have had complaints filed against them, so I recommend going with a company that has a lower than average number of complaints.
Financial Rankings
Financial rankings are a good way to determine an company's ability to pay its claims. A.M. Best (ambest.com) rates companies based on their financial strength. A high rating means a company has enough financial assets to pay it's claims.
A.M. Best rates companies from A++ (their highest rating) to D (their lowest). I recommend purchasing through a company with a B+ rating or higher.
Getting Low Cost With A-Rated Companies
The best place to get low cost homeowners is at an comparison website. Some of these sites provide an online chat service so you can get answers to your homeowners questions from an expert, and get help in lowering your cost. (see link below).
Visit www.LowerRateQuotes.com/homeowners-insurance.html or click on the following link to get homeowners insurance quotes online from top-ranked companies and see how much you can save. You can get more insurance tips in their Articles section.
The author, Brian Stevens, is a former insurance agent and financial consultant who has written extensively on homeowners insurance company rankings.
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A means of indemnity against occurrence of a uncertain event; The business of providing insurance; Metaphoric: Any attempt to anticipate an unfavorable event; Blackjack: A bet made after the deal, which pays off if the dealer has blackjack; An insurance policy
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