The California home insurance market is pretty competitive, with dozens of companies seeking your business. Obviously, not every home insurance company is created equal. Some may provide stellar customer service and great rates, while others leave you wondering exactly what it is you are paying for.
You may not always know if your current California home insurance provider is up to scratch, but sometimes there are clear signs that it’s time for a change. Consider the following and see if your current home insurance is the right one for your needs.
You Aren’t Satisfied With the Service You’ve Received
Whether you filed an insurance claim and received less than satisfactory results or just don’t care for the customer service (or lack thereof), dissatisfaction is a clear sign that it’s time to look for a new home insurance provider.
Many people put up with their insurance company’s poor quality for the sake of convenience, but that ends up costing them later on. With so many insurance agencies in California, you shouldn’t stay with a provider that doesn’t provide a great level of service.
You Don’t Know What Your California Home Insurance Actually Covers
Did you try filing an insurance claim only to find out that what you were filing for wasn’t actually covered under your policy? You aren’t alone. A multitude of homeowners often experience the same frustration thanks to confusing policies with lots of fine print or potentially misleading insurance providers.
The good news is that not all home insurance providers are shady, and not all policies are ambiguous or inconsistent. A reputable home insurance provider will take the time to clearly discuss everything that your policy does and doesn’t cover so there are no surprises. If it’s time to choose a new home insurance provider, be sure to ask plenty of questions and make sure your policy explains all the details you need to know.
You Don’t Receive Enough Coverage
Maybe you’ve added an extension to your home or had some other work done that requires more insurance coverage. Is your current home insurance providing the coverage that you need? If not, consider switching as soon as possible.
Whether you filed a California home insurance claim and received less than satisfactory results or just don’t care for the customer service (or lack thereof), dissatisfaction is a clear sign that it’s time to look for a new home insurance provider.
Many people put up with their insurance company’s poor quality for the sake of convenience, but that ends up costing them later on.
You Were Charged Surprise Fees
All fees should be clearly outlined in your policy. If you don’t see any mention of fees in a policy, be sure to ask about them. If the insurance agent appears to dodge the question or doesn’t give a clear answer, it could be a red flag. There are too many good California home insurance agencies out there to put up with problems like that.
You Are Paying Too Much
It’s a good idea to check current insurance rates and make comparisons amongst different companies once a year. Home insurance rates can fluctuate, especially in California. But your current insurance provider might not tell you when a lower rate is available. There’s no harm in asking, and there’s certainly no harm in switching to another provider if your current home insurance is too expensive for no apparent reason.
Thinking of Switching California Home Insurance Providers?
Bethany Insurance provides home insurance and specialty home insurance for homebuyers across California. We offer affordable coverage and focus on transparency—so you know exactly how much you’re paying and how we can help when disaster strikes. Contact us today to learn more.
