Homeowners insurance Florida quotes are easy enough to come by, especially online, but how do you know which ones are the best rates for the coverage, and how can you be sure that you will get that rate and coverage when you sign the contract? Some agencies provide incomplete quotes just to entice customers.
The truth is that nothing beats meeting your would-be agent face to face. While there are comparison sites that will scrape information from dozens of insurance companies at once for you to compare, they actually send your private information to all of those companies! Worse yet, many sell the information you enter to other companies that have nothing to do with insurance, and have no business with your personal information. According to https://floridainsurancequotes.net/home-insurance/homeowners-insurance-florida/, online privacy should not be your only concern.
Large insurance companies might pass your account through numerous agents, and they have entire departments dedicated to handling phone calls and online queries. You might have to speak to several operators, secretaries, and agents before getting to the person you need. More than just being impersonal, it means that you could end up allowing any number of people access to your sensitive information, and making the simplest inquiry becomes a time-consuming chore.
While these companies do have rigorous screening processes, you are not dealing with one company, but several, and several employees within each of those companies, as you are passed from automated service to operator to secretary to agent. A simple inquiry about the homeowners insurance Florida quotes you got online could lead to several phone calls, return phone calls, ticket numbers, and who knows how many agents.
What’s the best method?
The best method involves a little bit of all of the above: First, go online and research policies to learn more about the coverage you need. Then, search for area homeowners’ insurance agencies, note which ones can meet your needs, and check their online reviews.
Once you have narrowed your list, call and ask for an in-person appointment with an agent. Take your list of concerns with you, and treat it like an interview – because, in a very real way, you are hiring an insurance agent!
Florida homeowners insurance quotes found online here or over the phone leaves little to be desired. Even if you do not end up working with the same agent you speak to when you first get your coverage, you will know that you picked the right company.