CA Home Insurance, Broker vs. Buying Direct

For many first time home buyers getting homeowners insurance isn’t as daunting of a task as some might think.  With the internet at your fingertips, researching is accessible now more than ever, and reviews of personal experience are easy to find.  When starting to purchase your home insurance, there are two things to consider:  1) Do I want to contact a broker for assistance? Or 2) Do I want to go direct to a carrier for coverage?  For many this is a personal preference, and where the online reviews could play a large part in your decision.

There are several benefits to choosing a local broker.  Some customers are used to the personal touch of a local broker and want an agent who is just a phone call away.  Having a local broker also allows you to drop in to have questions answered, report issues faster, and have a personal relationship with your broker.  Local brokers might have a positive or negative track record to view online, personal reviews can allow you to choose the broker of your liking, before stepping foot in an office. Brokers are independent of the insurance companies and may have several carriers to choose from when trying to find you the best option for your home.  Brokers are committed to the policy holder first and foremost.  With a direct currier, this may not be the case.

When purchasing homeowners insurance direct, you might bypass some of the cost that go to commission, allowing your premium to be cheaper – although this is not always the case.  Most companies provide the same rates to the client through an agent as they would direct.  Buying with a direct carrier may also lead you to contacting a 1-800 number in the event of a claim or question.  These automated numbers assure a call back within 24 hours or sooner, however there will not be the same person every time.  Extended hold time and the fact that you are not dealing with the same person each time you call can be very frustrating in the event of a problem or a claim.

For homebuyers and homeowners alike it’s never too late to start that research and find out which one works best for you.  Sweeney & Sweeney Insurance is an Independent Insurance Agency.  We have access to several carriers that provide homeowners, dwelling coverage, mobile home, and renters insurance.  Some of the carriers we offer also add additional discounts if you bundle your auto and home together under one policy.  Please call our office today if you would like to look at options.