What Is The Best Homeowners Insurance Company? 
-- > Normal 0 The Best homeowners insurance policy for you is the one that is going to do exactly what you want it to for approximately what you are willing to pay . So what do you want it to do ? Most likely , fix your house or repair or replace your personal things should they be damaged . If so , the Best policy for you would be the one that would guaranty just that . No policy will do that as all policies have some exclusions and limitations , but the Best policy for you would have the fewest exclusions or limitations . I suggest the Best policy would include Guaranteed Replacement Cost and all-risk * coverage on your home , all-risk * Replacement Cost coverage on your personal property . The Best policy for you would include Personal Liability coverage with a limit not less than $ 300,000 . Should you need higher limits , a good Personal Umbrella endorsement should be available providing a broad insuring agreement and few exclusions . The Best policy will be offered by an agent or insurer who will take the time to alert you to all the policy amendments available to address your specific needs . The Best policy will be offered by an agent or insurer who will stand with you should a claim occur , treat you professionally and help you return to your pre-loss position . The Best policy would be offered by an insurer who would not cancel you or increase your premium the first time you had a claim . The Best policy would be offered by an insurer willing and able to insure your car -LRB- s -RRB- at a reasonable price even though you might have young inexperienced drivers . If an insurance company is not willing to do provide these essential services , I question if they should be considered for any part of your business . 