Your house is not just another asset, so you cannot take any risks regarding homeowners' insurance. There are many things to consider, but the most important is choosing the right method for valuation, which determines what you receive in case of disaster.
Who wouldn’t want to save money on automobile
insurance? Lower rates mean more money to spend on other essentials or luxuries, but switching to an insurance company that offers a lower cost policy may cost you more in the long run. Your new cut-rate policy may not offer the same protection as your previous policy – and it may be up to you to make up the difference if you’re in an accident.
When shopping for insurance, you want to receive the most value for your money. This means you need to hire an agent who has your best interests — not their own bottom line — at heart. The key to finding an agent who'll always do what's most favorable for you is to understand the differences between the two main types — independent and captive agents — and know which type will steer you in the right direction. Here's what you need to know.
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