For many people, home insurance is something we don’t like to think about. We get whatever policy we think (or are told) that we need, then we pay it every year without much thought. Sometimes this is just fine. In some cases, however, there comes a time when when the signs are all saying "Change insurance provider."
Home insurance is definitely a necessity, especially in Illinois, a state that can face a variety of weather extremes, from tornados to severe thunderstorms to blizzards. Some parts of the state also present a greater risk of burglary and vandalism than other parts of the country. With that in mind, it’s always a good idea to have a local provider who understands your needs, so if your agent moves, or if you do, it’s probably time to change insurance providers.
If you need to make a claim against your home insurance and you do not feel supported or, even worse, you feel like your insurance is working against you, it’s probably time for a new provider. Also, your insurance agent should periodically offer to review your coverage and make sure that you’re getting the best possible rates and discounts. If they’re not doing that, it may be time to look for a new provider.
Sometimes you might just get the feeling you’re paying too much for home insurance. Maybe your rates go up for no apparent reason or you find out that your neighbors are all paying less than you are for comparable coverage. There’s nothing wrong with shopping around to make sure you’re being treated fairly. If you have insurance in Illinois, one of the easiest ways to shop around is to visit our website where you can compare live quotes online.