Purchasing homeowners insurance is both rewarding and nerve-wracking, and it’s even more stressful for first-time homebuyers. You know you need the coverage, but with so many companies and providers advertising their policies, how do you know which one to choose? Just as no two policies are exactly alike, no two providers will offer the same services. Here are the top four factors to consider before choosing a homeowners insurance agency.

Do These 4 Tasks Before Hiring an Insurance Provider

1. Check the Rating

Insurance providers are rated for quality of coverage, customers service, responsiveness during claims, and the payout process. Before deciding on a company, make sure they have a good rating. Agencies like A.M. Best and Standard & Poor’s will give you the insight you need to determine if an insurance agency has the necessary financial strength to back your policy. If a company does not have a high enough rating, choose a different provider.

2. Make Sure the Payments Work for You

Premium payments will vary widely, and the last thing you want to do is pick a plan and premium amount that strains your budget. When shopping for homeowners insurance, ask how the company expects payments. Some require you to pay upfront, while others allow you to pay a portion once a month. Whichever provider you choose should have payment plans that work for your needs.

3. Visit Their Website

If you prefer sending paper checks in the mail each month to pay for bills, this requirement is less important. However, if you prefer conducting business online, you’ll need to pick a provider that has a functioning and up-to-date website. Unfortunately, some do not give you the option to make payments or update your coverage online, and for some homeowners, this is an absolute must.

4. Consider Their Other Coverage Areas

Many companies provide multiple types of coverage beyond homeowners insurance. When you purchase multiple policies from the same provider, you may end up getting a discount on your monthly premium. If you’re interested in creating an insurance bundle, pick an agency that offers coverage in the areas you need.

Wilson Insurance Agency in Dalton, GA, has helped residents find the right coverage for over 45 years. Let their experienced agents help you find the right homeowners insurance policy for your home, whether you’re just moving in or want to update your existing coverage. Get your free quote online, and call (706) 278-0549 to speak with an agent today.