Title: How Do You Shop Around For Home Insurance—Or Do You Just Stick With The Same Company?
I get where you’re coming from, but I’ve actually seen some of the bigger, “reputable” companies drop the ball too. Here’s how I look at it:
- Cheapest isn’t always best, but neither is the most expensive.
- I check reviews for claims service, not just price.
- Every couple years, I shop around—loyalty discounts rarely beat a new customer offer.
- Sometimes, switching nets better coverage for less, especially if your home value or situation changes.
Had a client last year who switched after 10 years with the same company—ended up with more coverage and a lower deductible. Just saying, it pays to compare, even if you’re happy where you are.
I’m with you on not just sticking with the same company out of habit. I’ve seen too many folks surprised when their “trusted” insurer suddenly hikes rates or gets picky about claims. I always tell clients: your needs change, and so does the market. Shopping around every few years is just smart—sometimes you find a better fit, sometimes you realize your current policy isn’t covering what you thought. It’s a bit of a hassle, but way less stressful than finding out you’re underinsured after something happens...
Couldn’t agree more about not getting too cozy with one insurer. I learned the hard way—stuck with the same company for years because it felt “safe,” then got hit with a rate jump that nearly made me spit out my coffee. Turns out, loyalty discounts aren’t always what they’re cracked up to be. Now I treat insurance shopping like hunting for a decent avocado: takes a little effort, but worth it when you find the right one.
I hear you on the “safe” feeling—been there, done that, paid the premium. I once stuck with a company for nearly a decade because their rep sent me a birthday card every year. Thought we had a thing going… until my renewal came in higher than my property taxes. Now I treat insurance like I treat tile samples: I line up a bunch, squint at the options, and pick the one that doesn’t make me cringe. Loyalty’s nice, but not when it costs you an extra bathroom reno.
I totally get the birthday card thing—my old agent used to send me a calendar every year, and I felt weirdly obligated to stay. But after refinancing last year, I started comparing quotes and, wow, the difference was wild. Still, I get nervous switching... what if the new company flakes when something actually happens? I usually end up picking the middle-of-the-road option—not the cheapest, but not the one that makes me sweat every renewal either. Loyalty’s nice, but my wallet has trust issues now.
