can any body tell me the cheepest place to go and get household and building insurance thanks
2007-02-26 20:40:57 · 4 answers · asked by Marie H 1 in Business & Finance ➔ Insurance
The best thing to do is go to an independent agent - they can give you quotes with more than one company, they can give you the best "bang for the buck" - it is a balance between, price, coverage & service. If you go to an established agent (the one I work for has been in business over 100 yrs), they are not going anywhere & they are there to help you with your coverage & there when there is a covered loss. That's why we buy insurance anyway... What good is a cheap insurance policy if they are not there when you need them. I think of 2 sayings "caveat emptor" (not positive of the spelling) which is "buyer beware" and "you get what you pay for". Also, the cheapest place today, may not be the cheapest tomorrow. Companies are constantly changing their rates. If you want to shop every year for insurance, then I guess this is OK, but, it takes your time too (& time is money). I do not recommend that you change insurance every year because a relationship with a company goes a long way when you file a claim. If you file a claim in the first year of coverage, they may refuse to renew you (depending on what it was). I have seen a policy cancelled midterm due to a claim in the first 60 days of coverage (in my state, companies can cancel for ANY reason within the first 60 days of coverage). If they had been with the company for a few years with no claims, that likely would not have happened, but, they had no history.
2007-02-26 22:07:18 · answer #1 · answered by Sue 6 · 0⤊ 0⤋
Dont get the cheapest. I know you dont like insurance and want to save money but if your house burns down you could be stuck with a company that tries to weasel out of paying you for it.
Talk to a couple companies and get some rates, then check AMBEST ratings, and department of insurance for complaints.
Theres always going to be a "Blue Oasis Mutual" out of Kansas that'll offer you $200 a year on your insurance but will they be there with a check if something happens?
2007-02-27 00:42:54 · answer #2 · answered by Anonymous · 0⤊ 0⤋
Endsleigh insurance are quiet good, well i know they are cheap for contents but i have never got a building insurance quote. loads of places do deals if you buy together now tho
2007-02-26 21:02:52 · answer #3 · answered by kxkx 3 · 0⤊ 0⤋
Try this site
http://www.moneysupermarket.com/home/?bbcam=ov%5Fuk%5FHomeInsurance&bbkid=churchill+home+insurance&x&Source=OVRTHOM5
2007-02-26 20:46:38 · answer #4 · answered by bty937915 4 · 0⤊ 0⤋