Having the best homeowners insurance for your needs will ensure that you are protected in case of an accident. Luckily, there are several options available to you when it comes to finding a policy. Some of the companies that you can use are Nationwide, NJM, USAA, and Chubb.
Amica
Whether you live in a city or rural area, Amica homeowners insurance has options for you. Amica home insurance provides coverage for the physical structure of your home and other structures on your property. It can also cover personal property and other items. In addition, Amica offers flood insurance.
When it comes to claims, Amica has excellent customer service. The company offers a home repair assistance program that can be at your home in less than 24 hours if you need it. It is also possible to hire a contractor through the Contractor Connection, a service that matches you with a qualified professional.
Amica also offers discounts for bundling multiple policies, receiving bills electronically, and being claim-free. You may also qualify for a loyalty discount after two years with the company.
Amica is not available in Alaska or Hawaii, but the company has offices across the United States. The company is accredited by the Better Business Bureau, which is an organization that aims to protect consumers.
Amica offers a variety of options for home insurance, including the Platinum Choice package. The Platinum Choice provides higher coverage limits and additional protection. It is ideal for homeowners who need more coverage. It includes separate coverage for electronics, water backups, and credit card fraud.
Amica customers can also save on premiums by installing an alarm system, or signing up for automatic bill payments and electronic billing. Amica has an app for iOS and Android users, which allows users to view bills, make payments, and file claims.
Chubb
Those in the market for homeowners insurance can look to Chubb for a comprehensive policy. The insurer is known for its high-value property coverage and excellent customer service. In fact, it is a top-rated company in the property insurance industry.
Aside from home insurance, the insurer also offers other types of coverage. The company offers water backup coverage, natural disaster protection, personal cyber risk coverage, and a wide variety of add-on coverage options.
If you have an expensive car or other high-value possessions, the insurer offers a cash settlement option. This coverage is available up to the policy's limit. You can use the money to buy a new home or to repair the damaged item.
The insurer also offers identity theft protection. This aims to make the recovery process easier. The mobile app allows you to manage your payments and access your policy documents.
Chubb offers a home appraisal service that catalogues your home's architecture and measures its condition. The appraisal includes suggestions for security, fire prevention, and other improvements.
Chubb also offers an extensive network of preferred service providers. These include building contractors, fine art appraisers, and alarm and security companies. These professionals can detect problems with electrical connections, leaks, and other issues. The insurer will cover any additional costs incurred due to faulty wiring or electrical lines.
Chubb homeowners insurance is available in all 50 states. In some locations, it's even available at no extra cost.
USAA
Whether you're in the market for home insurance, or just looking for a more comprehensive policy, USAA is an excellent option. It's one of the top insurers for military members and civilians alike, offering a variety of perks and discounts that help make it affordable.
It's true that many people think of USAA for their mortgage products, but the company also provides homeowners insurance. The insurance company is one of the few in the industry to offer a standard bundled coverage discount, which can save you up to 10% on your premiums.
USAA's standard home insurance policy covers most of the common causes of damage. This includes theft, weather damage, and personal property loss. The company also offers earthquake coverage, which is available at an extra cost.
The company offers a variety of online tools that can be used to make owning your own home more manageable. This includes a website tool that can estimate your home's value and a homeowner's insurance estimator.
Some of the more interesting perks of having an insurance policy with USAA include discounts for firewise communities, automatic devices, and good payment history. You can also access the home's value, adjust your payment due dates, and get claim tracking information online.
The insurance company also provides a range of endorsements. You can add additional liability insurance to protect yourself in case you're involved in a lawsuit.
Erie
Founded in 1925, Erie Insurance is a well-known insurer. They offer basic homeowners insurance policies that can be customized to fit the needs of each individual. They also offer auto insurance, life insurance and business insurance.
Erie offers a number of different discounts. You can get a quote online, call or talk to an agent to learn more. You can also take advantage of discounts for bundling a home and auto policy. In addition, Erie has a strong focus on customer service.
They offer guaranteed replacement cost coverage, which pays to repair your home at its original value. In addition, Erie provides service line protection, which pays for repairs to your water and sewer lines.
They also offer an advanced quote discount, which lowers your premium. You can also add on flood, theft and earthquake coverage, if you want. You can find a local agent in your area.
You can make claims and make payments online. You can also manage your policy on the Erie website. You can even set up a paperless billing system, which will help you save money.
The Erie website also has a good amount of information about their home policies. They have an easy-to-navigate site. You can also search for a local agent on their homepage.
In addition, Erie Insurance has an A+ rating from AM Best, which means they are financially stable and have a competitive position. It also means they are capable of handling obligations in a changing market.
NJM
Founded in 1913, NJM is one of the largest and most well-known insurers in the Mid-Atlantic region. The company's mission is to provide value-based insurance solutions to its customers. In addition to home and auto insurance, NJM also provides renters and umbrella coverage. It also offers several endorsements that will help protect valuables in the event of a loss.
NJM's low premiums are a major selling point. In fact, the average NJM home insurance rate is $557 less than the state average. In addition, the company boasts an impressive list of discounts. These include discounts for drivers under 25, a driver training discount, and a discount for being a college student.
NJM's customer service is excellent. In fact, the company received the highest score in customer satisfaction ratings from J.D. Power. In addition, the company's complaint index is very low, meaning that it receives far fewer complaints than competitors.
The NJM website is very user-friendly. It also offers an online dashboard for customers to log in and manage their policies. They can upload documents, pay bills, and make one-time payments. They can also opt to have their bank pay their premiums.
In addition to home and auto insurance, NJM has other coverages, including rideshare, assisted living, flood, and classic car insurance. Its policies also offer free perks for collision and comprehensive coverage. Moreover, NJM's home and auto insurance are bundled, making it a great choice for applicants looking to combine their insurance needs.
Nationwide
Whether you're moving into a new home or just looking to upgrade your current policy, Nationwide has a variety of insurance products for homeowners. This includes homeowners insurance, car insurance, boat insurance, and policies for small businesses.
Nationwide offers coverage for personal belongings at replacement value. This means that you'll be reimbursed for the difference in value if your items are stolen or damaged.
You can purchase Nationwide homeowners insurance through its website or by calling the company directly. You'll be able to manage your policy online, file claims, and pay your premiums. You'll also be able to see how changes in your coverage affect your rate.
Nationwide provides homeowners insurance in all 50 states and the District of Columbia. The company also has an A+ rating from the Better Business Bureau. It is accredited with the BBB since 1955.
The company offers a wide range of discounts and endorsements. This includes discounts for installing a newer roof, bundling multiple insurance policies, and living in gated communities. It also offers a loss-of-use coverage that will pay for additional living expenses if you are unable to live in your home.
Nationwide has an A+ rating from AM Best for financial stability and consistently processing claims. However, it has a lower customer satisfaction score than other insurers. In addition, it has an overall complaint index that's worse than the industry average.