Many consumers consider property and casualty insurance to be a commodity.
They mistakenly perceive all insurance carriers as being equal, and just search out the lowest price for a minimal amount of coverage. Unfortunately, accidents happen and property damage occurs, many times through no fault of our own. And when you need to call on your insurance carrier to absorb the financial impact of the unexpected, you'll want to be reassured that they are able and willing to assist you. When considering insurance carriers, you will want to do some homework. Make sure the company has a sound financial position, exhibited by conservative investments and adequate capitalization.