Who is the best provider of home owner's insurance?

Question

I am buying a house in St. Louis and I am shopping for home owners insurance and I would like advise as to which provider I should use. Thanks!

Answer 1

To get an accurate, fair quote, talk insurance broker. A broker works with many different companies and can find the best coverage and company  for you. To find a broker, log onto a website like http://www.homeownerswiz.com and request a free quote. Be sure to ask about earthquake insurance, which you must purchase separately. One of the nation’s largest earthquakes occurred in Missouri in 1812. Chances of another may seem remote, but consider the downside: You will have a home you cannot sell and cannot afford to repair, because your home equity will be wiped out.

Answer 2

Two to avoid.

"you're NOT in good hands"

"NOT  like a good neighbor"

Both have a habit of improperly paying claims.

Answer 3

They are all robbers....

Answer 4

There's no "one size fits all" best.  Not all companies write in all states.  The company that's best for a brand new house might be worst for a 50 year old house.  One company might be best for a brick house, one might be best for urban houses.  

There's no short cut - you'll have to shop around to find the best FOR YOU.  A local independent agent can get you multiple quotes at one stop, so it might save you some time.

Answer 5

It's like asking who makes the best car? Who makes the best ice cream? Who makes the best cookies? Who makes the best hamburger? Where is the bast place to live? There really is no answer.

I am not going to say they are the best but I recommend Auto-Owners Insurance Company. I have been in the insurance industry for 35 years and that is the company I choose for my own insurance. I think they are a very consumer oriented company.

Call an independent agent in your area that represents them.

Answer 6

My personal preference is State Farm, but any of the big carriers should be fine.  

Prices vary between areas.  So if this is one of your concerns, I would open the phone book, call and get quotes.  Also word of mouth is good for things like this.  Ask your family, friends and co-workers who they use and why.