May 27

Why Use An Insurance Agent When Buying Homeowner’s Insurance?


If you’ve gone online lately for home insurance rates, your search probably returned over a dozen pages of companies wanting your business.  Some of these businesses allow you to purchase your homeowner’s insurance online.  I believe someone’s largest asset, their home, is important enough to get advice from a licensed agent.

Home insurance costs depend on many variables having to do with your home, your claims history, your credit score and several other factors. Unless you are prepared to offer this personal information online, you are unlikely to get a firm quote.

Most homeowner’s insurance quotes are built from a package of coverages. Buying the generic package could leave you suffering out of pocket expenses after a loss. Homeowners should review with a licensed agent what their coverage is so that they understand what they are covered for, and what their potential liabilities may be.  Some questions you should know are:

  • Will the policy cover things like water backup, sinkhole and mold remediation
  • Is the policy is valued at 100% replacement cost for hail and windstorm.
  • If you have a claim in your kitchen due to a burst pipe, are you covered for replace cost, or actual cash value?

I am pointing out some of these questions not to scare you, but to ensure that you truly understand what you are covered for.  This will help you determine what coverages you want to choose or decline based on your wants, needs, and economic constraints.

Understanding Homeowner’s insurance can be complicated.  Feel free to reach out to Brandon Insurance if you would like to review your current policy or quote a new one!


home insurance, homeowner's insurance, insurance agent

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This blog may provide a brief overview of the terms and phrases used within the insurance industry. Please read your official policy for full details about coverages. These definitions do not alter or modify the terms of any insurance contract. If there is any conflict between these definitions and the provisions of the applicable insurance policy, the terms of the policy control.