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<blockquote data-quote="SlugSlinger" data-source="post: 3211469" data-attributes="member: 7248"><p>I had Farmers for about 2 weeks before canceling the multiple policies. The agent / agent’s office wouldn’t return my emails or phone calls. I was trying to add a boat to my policy. That agent’s office was a joke and about the most unprofessional business I have ever dealt with. I ended up having to call the corporate office to cancel my policies. I ended up going with Amica.</p><p></p><p></p><p>Here’s an opinion on home insurance companies.</p><p><a href="https://clark.com/insurance/best-and-worst-home-insurers/" target="_blank">https://clark.com/insurance/best-and-worst-home-insurers/</a></p><p></p><p><span style="font-size: 22px"><strong>Best and worst home insurance companies</strong></span></p><p><a href="https://clark.com/voices/theo-thimou/" target="_blank">Theo Thimou</a>December 12th, 2018 11:00 am</p><p>Looking for the best homeowners insurance? The top home insurance companies aren’t always those with the cheapest premiums!</p><p></p><p><strong><a href="http://clark.com/insurance/how-shop-term-life-insurance/" target="_blank">RELATED: </a><a href="http://clark.com/insurance/best-auto-insurance-companies/" target="_blank">Best and worst auto insurance companies</a></strong></p><p></p><p>When it comes to sorting out the best from the worst homeowners insurance companies, price isn’t the be all, end all.</p><p></p><p>You’ve also got to consider a company’s reputation with both customer complaints and customer satisfaction after you make a claim on your property.</p><p></p><p>If you’re looking for the top home insurance companies, here’s who to check out and who to avoid…</p><p></p><p><span style="font-size: 15px"><strong><strong>Best and worst home insurers: Table of contents</strong></strong></span></p><p><span style="font-size: 18px"><strong><strong>Clark’s top picks for home insurance</strong></strong></span></p><p>Just as with his <a href="http://clark.com/insurance/best-auto-insurance-companies/" target="_blank">top picks for car insurance</a>, money expert Clark Howard recommends two companies in particular for home insurance — <a href="http://amica.amicacoverage.com/" target="_blank">Amica Mutual</a> and <a href="https://clark.com/go/insurance/usaa-home-insurance/" target="_blank">USAA</a>.</p><p></p><p>But surprisingly, the reason he loves them doesn’t have to do with their cost!</p><p></p><p>“Amica and USAA may not have the best premiums,” Clark says. “But remember my rule, homeowners insurance is only for use in a catastrophic situation — so it’s crucial to have the best coverage in case something does happen to your home.”</p><p></p><p><span style="font-size: 15px"><strong><strong>1. USAA</strong></strong></span></p><p><img src="https://i2.wp.com/clark.com/wp-content/uploads/2018/12/USAA-logo.png?resize=150%2C150&ssl=1" alt="" class="fr-fic fr-dii fr-draggable " style="" /></p><p></p><p><a href="https://clark.com/go/insurance/usaa-home-insurance/" target="_blank">USAA</a> scored the highest out of more than two dozen insurers on the <a href="https://www.jdpower.com/business/press-releases/jd-power-2018-us-home-insurance-study" target="_blank">J.D. Power 2018 U.S. Home Insurance Study</a> and clinched the number two spot on <a href="https://www.consumerreports.org/products/homeowners-insurance/ratings-overview/" target="_blank">a similar list from Consumer Reports</a>.</p><p></p><p>With USAA, the insurance coverage and other financial services it offers are only available to those in the military or who are affiliated with the military through direct family ties.</p><p></p><p>So that may eliminate USAA from consideration for a lot of people.</p><p></p><p><span style="font-size: 15px"><strong><strong>2. Amica Mutual</strong></strong></span></p><p><img src="https://i0.wp.com/clark.com/wp-content/uploads/2018/12/amica-mutual-logo.png?resize=150%2C92&ssl=1" alt="" class="fr-fic fr-dii fr-draggable " style="" /></p><p></p><p>Amica Mutual has no restrictions on who can become a customer. But because Amica Mutual is a mutual company, it tends to be very expensive the first year you join.</p><p></p><p>That’s because there are no shareholders like there are with other public companies. When you sign up for Amica Mutual homeowners insurance, you become a part owner of the company.</p><p></p><p>So your first year of membership is higher because you’re “buying into” the mutual company.</p><p></p><p>But the wealth the company generates flows back to owners in the form of <a href="https://www.amica.com/en/products/dividend.html" target="_blank">an annual dividend</a>, which is typically between 5% and 20% of the premium you paid that goes back in your pocket!</p><p></p><p><span style="font-size: 18px"><strong><strong>Consumer Reports: Top 10 best homeowners insurance companies</strong></strong></span></p><p>Consumer Reports is a trusted publication that Clark watches closely for its rankings of the <a href="https://www.consumerreports.org/products/homeowners-insurance/ratings-overview/" target="_blank">top home insurance companies</a>.</p><p></p><p>Instead of focusing on price alone, the magazine asked more than 7,000 of its readers to rank their insurers on six metrics:</p><p></p><ul> <li data-xf-list-type="ul">Ease of reaching an agent to handle the claim</li> <li data-xf-list-type="ul">Agent courtesy</li> <li data-xf-list-type="ul">Promptness of response and attentiveness in handling the claim</li> <li data-xf-list-type="ul">Simplicity of the claims process (number of steps, amount of work etc.)</li> <li data-xf-list-type="ul">Damage amount: Satisfaction with company’s estimate of dollar amount of damages</li> <li data-xf-list-type="ul">Timely payment: Satisfaction with timely payment by insurer</li> </ul><p>Here are the winners and losers, according to the magazine:</p><p></p><p>(#1 is best)</p><p></p><p>1. <a href="http://amica.amicacoverage.com/" target="_blank"><strong>Amica Insurance</strong></a></p><p>2. <a href="https://clark.com/go/insurance/usaa-home-insurance/" target="_blank"><strong>USAA Property & Casualty</strong></a></p><p>3. <a href="https://www.erieinsurance.com/" target="_blank"><strong>Erie Insurance Group</strong></a></p><p>4. <strong><a href="https://www.metlife.com/" target="_blank">MetLife</a></strong></p><p>5. <a href="http://www.auto-owners.com/" target="_blank"><strong>Auto-Owners Insurance Group of Companies</strong></a></p><p>6. <a href="https://www.nationwide.com/" target="_blank"><strong>Nationwide Mutual Insurance Company</strong></a></p><p>7. <strong><a href="https://www.thehartford.com/" target="_blank">The Hartford Financial Services Group</a></strong></p><p>8. <a href="https://clark.com/go/insurance/liberty-mutual/" target="_blank"><strong>Liberty Mutual</strong></a></p><p>9. <strong><a href="https://www.travelers.com/" target="_blank">Travelers</a></strong></p><p>10. <a href="https://www.farmers.com/" target="_blank"><strong>Farmers Insurance</strong></a></p><p></p><p><span style="font-size: 18px"><strong><strong>Consumer Reports: 5 lowest-rated home insurers</strong></strong></span></p><p>Nobody wants to get stuck with a company that does a poor job with customer satisfaction and with handling customer complaints!</p><p></p><p>Now that you’ve seen who the readers of Consumer Reports say are the best, here’s who they report are the worst homeowners insurance companies:</p><p></p><p>(#1 is worst)</p><p></p><p>5. State Farm</p><p>4. Allstate</p><p>3. American Family</p><p>2. State Auto Insurance Companies</p><p>1. Auto Club Group</p><p></p><p><span style="font-size: 18px"><strong><strong>J.D. Power: Top 10 best homeowners insurance companies</strong></strong></span></p><p>Another study Clark watches closely to determine the best and worst homeowners insurance companies is J.D. Power’s annual home insurance tally.</p><p></p><p>Recently, J.D. Power surveyed nearly 45,000 customers across the country — more than six times as many as Consumer Reports did — to determine the rankings for its <a href="https://www.jdpower.com/business/press-releases/jd-power-2018-us-home-insurance-study" target="_blank">2018 U.S. Home Insurance Study</a>.</p><p></p><p>They found customer satisfaction with the best home insurers is at an all-time high, led by a couple of old familiar names like USAA and Amica Mutual.</p><p></p><p>J.D. Power scores home insurance companies on a 1,000-point scale. Here’s who came out on top:</p><p></p><p>(#1 is best)</p><p></p><p><strong>Home insurance company</strong> <strong>Customer satisfaction index rating</strong></p><p>1. <a href="https://clark.com/go/insurance/usaa-home-insurance/" target="_blank">USAA</a> 891</p><p>2. <a href="http://amica.amicacoverage.com/" target="_blank">Amica Mutual</a> 861</p><p>3. Auto Club of Southern California Insurance Group 840</p><p>4. <a href="https://www.cinfin.com/" target="_blank">The Cincinnati Insurance Company</a> 835</p><p>5. <a href="https://www.erieinsurance.com/" target="_blank">Erie Insurance Group</a> 828</p><p>6. <a href="https://www.statefarm.com/" target="_blank">State Farm</a> 825</p><p>7. <a href="https://www.mapfreinsurance.com/en/about-us/who-we-are/" target="_blank">MAPFRE North America Group</a> 823</p><p>8. <a href="https://www.allstate.com/" target="_blank">Allstate</a> 822</p><p>9. <a href="https://www.auto-owners.com/" target="_blank">Auto-Owners Insurance</a> 822</p><p>10. <a href="https://www.farmers.com/" target="_blank">Farmer’s Insurance</a> 819</p><p><span style="font-size: 18px"><strong><strong>J.D. Power: 5 lowest-rated home insurers</strong></strong></span></p><p>OK, so you’ve seen the insurers that J.D. Power says offer the best homeowners insurance policies. Now here’s who they report are the worst homeowners insurance companies:</p><p></p><p>(#1 is worst)</p><p></p><p>5. Travelers</p><p>4. National General</p><p>3. The Hanover</p><p>2. Homesite</p><p>1. UPC Insurance</p><p></p><p><span style="font-size: 18px"><strong><strong>Clark’s advice when shopping for a new home insurance policy</strong></strong></span></p><p>The cost of home insurance varies widely by state and region. But if you feel like you’re not getting the coverage you want for the money, here are a few pointers to keep in mind when shopping for a new homeowners insurance policy…</p><p></p><p><span style="font-size: 15px"><strong><strong>High deductible policies offer dual benefits</strong></strong></span></p><p>Take the highest deductible that you can handle and that your mortgage holder will allow you to have. Doing that will both lower your premium <em>and</em> discourage you from unnecessarily making small claims.</p><p></p><p>That last part is very important, according to Clark.</p><p></p><p>“You should think of homeowners insurance as ‘use it and lose it’ kind of proposition,” the consumer champ says. “It’s not for use except in the case of a catastrophe.”</p><p></p><p>If you use your policy frivolously, other insurers <a href="https://clark.com/insurance/c-l-u-e-report-comprehensive-loss-underwriting/" target="_blank">may not want to do business with you</a> when you need to shop around and switch insurers in the future.</p><p></p><p><span style="font-size: 15px"><strong><strong>Make sure your home is properly valued for rebuild</strong></strong></span></p><p>The biggest mistake is not having enough coverage in the event you do face a total loss. You want to be sure that if your home has to be rebuilt, you’ll have enough coverage for it.</p><p></p><p>Talk with your agent or insurance company to see if you’re adequately insured. If your home isn’t properly valued in the event of a catastrophic loss, the shortfall between what it costs to rebuild and what your insurer is willing to pay will have to come out of your pocket.</p><p></p><p><span style="font-size: 15px"><strong><strong>Consider an umbrella policy if you’re a high net-worth individual</strong></strong></span></p><p>Just as with <a href="https://clark.com/insurance/best-auto-insurance-companies/#advice" target="_blank">Clark’s advice on auto insurance</a>, if you have a lot of assets to protect, you need to have a lot of liability coverage for your home.</p><p></p><p>That could include getting an umbrella policy that sits on top of your existing home and auto policies and covers you for a catastrophic claim.</p><p></p><p>Umbrella insurance policies are sold in multiples of a million dollars. These policies pose such a low risk to insurers that they only cost a couple hundred for the first million dollars of umbrella coverage. Then the more multiples of coverage you add on, the lower the price drops.</p><p></p><p><span style="font-size: 15px"><strong><strong>Be careful of homeowners policy exclusions</strong></strong></span></p><p>There are <a href="https://clark.com/homes-real-estate/10-things-home-insurance-wont-cover/" target="_blank">about a dozen different oddball exclusions</a> that some home insurers are now doing. These things are <em>not</em> covered by most home insurance policies:</p><p></p><ul> <li data-xf-list-type="ul">Mold</li> <li data-xf-list-type="ul">Sewer backup</li> <li data-xf-list-type="ul">Sinkholes</li> <li data-xf-list-type="ul">Flooding</li> <li data-xf-list-type="ul">Construction work damage</li> <li data-xf-list-type="ul">Jewelry/fine art</li> <li data-xf-list-type="ul">Termite infestation</li> <li data-xf-list-type="ul">Earthquakes</li> <li data-xf-list-type="ul">Stolen/destroyed cash</li> <li data-xf-list-type="ul">Trampoline accidents</li> <li data-xf-list-type="ul">Dog attacks</li> <li data-xf-list-type="ul">Pool accidents</li> </ul><p>As a general rule, you can always get an additional rider on your policy to cover many of the scenarios above.</p><p></p><p>Unless, of course, you’re talking about flooding. In that case, it’s not a rider you need; the federal government <a href="https://clark.com/insurance/flood-insurance-quote-premiums/" target="_blank">makes flood insurance coverage available</a>through the <a href="http://www.floodsmart.gov/" target="_blank">National Flood Insurance Program</a>.</p><p></p><p><span style="font-size: 18px"><strong><strong>Final thought</strong></strong></span></p><p>There’s a fine line between the best and worst homeowners insurance companies — and it isn’t always cost.</p><p></p><p>Making a decision about the best home insurance company includes weighing considerations about customer satisfaction and the number of complaints the reviews suggest they have.</p><p></p><p>Especially important is a company’s reputation for making its customers whole again after a catastrophic loss — which is the whole point of insurance to begin with!</p><p></p><p>“If you’re with a poorly ranked insurer, there’s no question: Shop the market to find a lower price and fire them! That’s a win-win. You can get higher quality at a lower price,” Clark says. “On the other hand, if you’re with the two elites of the insurance industry — Amica and USAA — I say you should stay with them even if it’s more costly.”</p></blockquote><p></p>
[QUOTE="SlugSlinger, post: 3211469, member: 7248"] I had Farmers for about 2 weeks before canceling the multiple policies. The agent / agent’s office wouldn’t return my emails or phone calls. I was trying to add a boat to my policy. That agent’s office was a joke and about the most unprofessional business I have ever dealt with. I ended up having to call the corporate office to cancel my policies. I ended up going with Amica. Here’s an opinion on home insurance companies. [URL]https://clark.com/insurance/best-and-worst-home-insurers/[/URL] [SIZE=6][B]Best and worst home insurance companies[/B][/SIZE] [URL='https://clark.com/voices/theo-thimou/']Theo Thimou[/URL]December 12th, 2018 11:00 am Looking for the best homeowners insurance? The top home insurance companies aren’t always those with the cheapest premiums! [B][URL='http://clark.com/insurance/how-shop-term-life-insurance/']RELATED: [/URL][URL='http://clark.com/insurance/best-auto-insurance-companies/']Best and worst auto insurance companies[/URL][/B] When it comes to sorting out the best from the worst homeowners insurance companies, price isn’t the be all, end all. You’ve also got to consider a company’s reputation with both customer complaints and customer satisfaction after you make a claim on your property. If you’re looking for the top home insurance companies, here’s who to check out and who to avoid… [SIZE=4][B][B]Best and worst home insurers: Table of contents[/B][/B][/SIZE] [SIZE=5][B][B]Clark’s top picks for home insurance[/B][/B][/SIZE] Just as with his [URL='http://clark.com/insurance/best-auto-insurance-companies/']top picks for car insurance[/URL], money expert Clark Howard recommends two companies in particular for home insurance — [URL='http://amica.amicacoverage.com/']Amica Mutual[/URL] and [URL='https://clark.com/go/insurance/usaa-home-insurance/']USAA[/URL]. But surprisingly, the reason he loves them doesn’t have to do with their cost! “Amica and USAA may not have the best premiums,” Clark says. “But remember my rule, homeowners insurance is only for use in a catastrophic situation — so it’s crucial to have the best coverage in case something does happen to your home.” [SIZE=4][B][B]1. USAA[/B][/B][/SIZE] [IMG]https://i2.wp.com/clark.com/wp-content/uploads/2018/12/USAA-logo.png?resize=150%2C150&ssl=1[/IMG] [URL='https://clark.com/go/insurance/usaa-home-insurance/']USAA[/URL] scored the highest out of more than two dozen insurers on the [URL='https://www.jdpower.com/business/press-releases/jd-power-2018-us-home-insurance-study']J.D. Power 2018 U.S. Home Insurance Study[/URL] and clinched the number two spot on [URL='https://www.consumerreports.org/products/homeowners-insurance/ratings-overview/']a similar list from Consumer Reports[/URL]. With USAA, the insurance coverage and other financial services it offers are only available to those in the military or who are affiliated with the military through direct family ties. So that may eliminate USAA from consideration for a lot of people. [SIZE=4][B][B]2. Amica Mutual[/B][/B][/SIZE] [IMG]https://i0.wp.com/clark.com/wp-content/uploads/2018/12/amica-mutual-logo.png?resize=150%2C92&ssl=1[/IMG] Amica Mutual has no restrictions on who can become a customer. But because Amica Mutual is a mutual company, it tends to be very expensive the first year you join. That’s because there are no shareholders like there are with other public companies. When you sign up for Amica Mutual homeowners insurance, you become a part owner of the company. So your first year of membership is higher because you’re “buying into” the mutual company. But the wealth the company generates flows back to owners in the form of [URL='https://www.amica.com/en/products/dividend.html']an annual dividend[/URL], which is typically between 5% and 20% of the premium you paid that goes back in your pocket! [SIZE=5][B][B]Consumer Reports: Top 10 best homeowners insurance companies[/B][/B][/SIZE] Consumer Reports is a trusted publication that Clark watches closely for its rankings of the [URL='https://www.consumerreports.org/products/homeowners-insurance/ratings-overview/']top home insurance companies[/URL]. Instead of focusing on price alone, the magazine asked more than 7,000 of its readers to rank their insurers on six metrics: [LIST] [*]Ease of reaching an agent to handle the claim [*]Agent courtesy [*]Promptness of response and attentiveness in handling the claim [*]Simplicity of the claims process (number of steps, amount of work etc.) [*]Damage amount: Satisfaction with company’s estimate of dollar amount of damages [*]Timely payment: Satisfaction with timely payment by insurer [/LIST] Here are the winners and losers, according to the magazine: (#1 is best) 1. [URL='http://amica.amicacoverage.com/'][B]Amica Insurance[/B][/URL] 2. [URL='https://clark.com/go/insurance/usaa-home-insurance/'][B]USAA Property & Casualty[/B][/URL] 3. [URL='https://www.erieinsurance.com/'][B]Erie Insurance Group[/B][/URL] 4. [B][URL='https://www.metlife.com/']MetLife[/URL][/B] 5. [URL='http://www.auto-owners.com/'][B]Auto-Owners Insurance Group of Companies[/B][/URL] 6. [URL='https://www.nationwide.com/'][B]Nationwide Mutual Insurance Company[/B][/URL] 7. [B][URL='https://www.thehartford.com/']The Hartford Financial Services Group[/URL][/B] 8. [URL='https://clark.com/go/insurance/liberty-mutual/'][B]Liberty Mutual[/B][/URL] 9. [B][URL='https://www.travelers.com/']Travelers[/URL][/B] 10. [URL='https://www.farmers.com/'][B]Farmers Insurance[/B][/URL] [SIZE=5][B][B]Consumer Reports: 5 lowest-rated home insurers[/B][/B][/SIZE] Nobody wants to get stuck with a company that does a poor job with customer satisfaction and with handling customer complaints! Now that you’ve seen who the readers of Consumer Reports say are the best, here’s who they report are the worst homeowners insurance companies: (#1 is worst) 5. State Farm 4. Allstate 3. American Family 2. State Auto Insurance Companies 1. Auto Club Group [SIZE=5][B][B]J.D. Power: Top 10 best homeowners insurance companies[/B][/B][/SIZE] Another study Clark watches closely to determine the best and worst homeowners insurance companies is J.D. Power’s annual home insurance tally. Recently, J.D. Power surveyed nearly 45,000 customers across the country — more than six times as many as Consumer Reports did — to determine the rankings for its [URL='https://www.jdpower.com/business/press-releases/jd-power-2018-us-home-insurance-study']2018 U.S. Home Insurance Study[/URL]. They found customer satisfaction with the best home insurers is at an all-time high, led by a couple of old familiar names like USAA and Amica Mutual. J.D. Power scores home insurance companies on a 1,000-point scale. Here’s who came out on top: (#1 is best) [B]Home insurance company[/B] [B]Customer satisfaction index rating[/B] 1. [URL='https://clark.com/go/insurance/usaa-home-insurance/']USAA[/URL] 891 2. [URL='http://amica.amicacoverage.com/']Amica Mutual[/URL] 861 3. Auto Club of Southern California Insurance Group 840 4. [URL='https://www.cinfin.com/']The Cincinnati Insurance Company[/URL] 835 5. [URL='https://www.erieinsurance.com/']Erie Insurance Group[/URL] 828 6. [URL='https://www.statefarm.com/']State Farm[/URL] 825 7. [URL='https://www.mapfreinsurance.com/en/about-us/who-we-are/']MAPFRE North America Group[/URL] 823 8. [URL='https://www.allstate.com/']Allstate[/URL] 822 9. [URL='https://www.auto-owners.com/']Auto-Owners Insurance[/URL] 822 10. [URL='https://www.farmers.com/']Farmer’s Insurance[/URL] 819 [SIZE=5][B][B]J.D. Power: 5 lowest-rated home insurers[/B][/B][/SIZE] OK, so you’ve seen the insurers that J.D. Power says offer the best homeowners insurance policies. Now here’s who they report are the worst homeowners insurance companies: (#1 is worst) 5. Travelers 4. National General 3. The Hanover 2. Homesite 1. UPC Insurance [SIZE=5][B][B]Clark’s advice when shopping for a new home insurance policy[/B][/B][/SIZE] The cost of home insurance varies widely by state and region. But if you feel like you’re not getting the coverage you want for the money, here are a few pointers to keep in mind when shopping for a new homeowners insurance policy… [SIZE=4][B][B]High deductible policies offer dual benefits[/B][/B][/SIZE] Take the highest deductible that you can handle and that your mortgage holder will allow you to have. Doing that will both lower your premium [I]and[/I] discourage you from unnecessarily making small claims. That last part is very important, according to Clark. “You should think of homeowners insurance as ‘use it and lose it’ kind of proposition,” the consumer champ says. “It’s not for use except in the case of a catastrophe.” If you use your policy frivolously, other insurers [URL='https://clark.com/insurance/c-l-u-e-report-comprehensive-loss-underwriting/']may not want to do business with you[/URL] when you need to shop around and switch insurers in the future. [SIZE=4][B][B]Make sure your home is properly valued for rebuild[/B][/B][/SIZE] The biggest mistake is not having enough coverage in the event you do face a total loss. You want to be sure that if your home has to be rebuilt, you’ll have enough coverage for it. Talk with your agent or insurance company to see if you’re adequately insured. If your home isn’t properly valued in the event of a catastrophic loss, the shortfall between what it costs to rebuild and what your insurer is willing to pay will have to come out of your pocket. [SIZE=4][B][B]Consider an umbrella policy if you’re a high net-worth individual[/B][/B][/SIZE] Just as with [URL='https://clark.com/insurance/best-auto-insurance-companies/#advice']Clark’s advice on auto insurance[/URL], if you have a lot of assets to protect, you need to have a lot of liability coverage for your home. That could include getting an umbrella policy that sits on top of your existing home and auto policies and covers you for a catastrophic claim. Umbrella insurance policies are sold in multiples of a million dollars. These policies pose such a low risk to insurers that they only cost a couple hundred for the first million dollars of umbrella coverage. Then the more multiples of coverage you add on, the lower the price drops. [SIZE=4][B][B]Be careful of homeowners policy exclusions[/B][/B][/SIZE] There are [URL='https://clark.com/homes-real-estate/10-things-home-insurance-wont-cover/']about a dozen different oddball exclusions[/URL] that some home insurers are now doing. These things are [I]not[/I] covered by most home insurance policies: [LIST] [*]Mold [*]Sewer backup [*]Sinkholes [*]Flooding [*]Construction work damage [*]Jewelry/fine art [*]Termite infestation [*]Earthquakes [*]Stolen/destroyed cash [*]Trampoline accidents [*]Dog attacks [*]Pool accidents [/LIST] As a general rule, you can always get an additional rider on your policy to cover many of the scenarios above. Unless, of course, you’re talking about flooding. In that case, it’s not a rider you need; the federal government [URL='https://clark.com/insurance/flood-insurance-quote-premiums/']makes flood insurance coverage available[/URL]through the [URL='http://www.floodsmart.gov/']National Flood Insurance Program[/URL]. [SIZE=5][B][B]Final thought[/B][/B][/SIZE] There’s a fine line between the best and worst homeowners insurance companies — and it isn’t always cost. Making a decision about the best home insurance company includes weighing considerations about customer satisfaction and the number of complaints the reviews suggest they have. Especially important is a company’s reputation for making its customers whole again after a catastrophic loss — which is the whole point of insurance to begin with! “If you’re with a poorly ranked insurer, there’s no question: Shop the market to find a lower price and fire them! That’s a win-win. You can get higher quality at a lower price,” Clark says. “On the other hand, if you’re with the two elites of the insurance industry — Amica and USAA — I say you should stay with them even if it’s more costly.” [/QUOTE]
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