How to Choose a Homeowners Insurance Agent

For most people, their home is the biggest purchase they will ever make. If you have such a large percentage of your self-worth wrapped up in your house, why not protect your investment with a homeowner's insurance policy. Fire, natural disasters, even a break-in could all ruin your life if you and your family are not prepared.

In this series of free insurance advice from our experienced insurance salesman, you will learn how to pick the right homeowners insurance policy for your home. Our expert will give you advice on how to choose your insurance agent, and then break down the coverage of a standard policy. How much insurance do you need? How does your credit score affect your insurance rates? How much insurance can you afford? These questions might raise a few eyebrows at the insurance office, but Expert Village answers them for you right here on the internet. Want to know how to lower your rates and your premium? How to process a homeowner's insurance claim? We've got the answer for you in this series of enlightening videos...

"I'm Romie Brown. On behalf of Expert Village, I'm her to discuss a few tips on tid bit on how to buy homeowner's insurance. In this clip, we will discuss choosing the right insurance company. You spend a lot of time looking at different homes, different neighborhoods and what not, and then when it comes to actually picking and insurance company, you usually waste about 3, 4, or 5 minutes. Pick somebody out of the phone book and then go with what they offer you. It's very important to do your research when looking at different companies. Then once you get that company that you want to affiliate with, then you're looking at different agents. Most companies do sell through agents, so I will ask you to look at your agent first and see what he or she has to offer. It's very important that that person is knowledgeable about insuring that home and looking at what you have to insure. All homeowner policies are not created equal or all shouldn't be the same because individual has different things that need to have insured. For example, some have more jewelry that others. Some have more personal property than others and some homes have things that need special floaters or writers for. It's important to make sure that you discuss this with your insurance professional. After you do the research with that and you decide on a professional, then you need to bring all these things to the table and make sure that he or she as your agent understands exactly what they're covering. When you leave there, you shake that person's hands, you insure that you insure everything that you have to be sure that you're properly covered."