Who Is The Best Home Insurance Provider? 
Your Insurance is only as good as your agent . Cheap rates does not mean the carrier is n't any good but they key is to make sure that you are covered properly and protected . I have seen time and time again that an agent will sell you something with the wrong value of your home all because they wanted to keep your business . I have use many carriers to compare rates with and Mutual companies on many occasions can cost much less . Please make sure to talk to an agent and make sure you are using a replacement cost for your home this is not the same as a appraisal that you get from the bank . Service is another thing to think about example . Our agency answers the phone 24/7 Make sure that your not stuck calling a 800 number for claims when you have a loss . Nothing is more frustrating then dealing with a loss and being told oh call this 800 number and they will take care of your claim . If your agent is n't filing the claim and actively calling your adjuster and making sure that you and your needs are taken care of then I would look to see what works best for you . Are you shopping for just the rate or are you looking for a carrier and an agent that will be there when you need it . 