Insurance companies offer hundreds of products in order to fulfill the demands of America. Most insurance companies offer auto insurance and personal property coverage. There are some companies that offer better coverage than others and if you shop around, you will see they offer different rates. There are three major companies, Liberty Mutual, Allstate, and State Farm who are among the top for customer experience and superior insurance products.
LIBERTY MUTUAL
- Discount for protective devices like burglar alarms, and smoke and fire detectors
- Loss forgiveness. If you should lose your home to a fire, your premium will not go up due to restoration.
- 24 Hour claims assistance. This is an add service as accidents happen around the clock.
- Personal property replacement. They replace your lost possessions at full cost and/or if they are damaged.
- Multi-policy discounts. Save money if you:
○ Maintain a loss-free record for three years
○ Insured with more than one policy
■ Liberty Mutual provides additional savings and discounts for your personal property coverage.
○ Earn savings for newly built, renovated, or newly purchased home
ALLSTATE
They are preferred by most homeowners for their good financial standings. As you continue to compare home protection, Allstate should be at the top of your list especially if you are looking to get insurance on an older home.
Benefits from Allstate Insurance:
- Personal Property Coverage.
○ Furniture and other contents in your home are covered under your home policy. As well as other structures that are attached or separate from your home (garage, shed, porch, etc.).
- Helps you pay for losses that have occurred during burglary and while you are away from home
- Low Deductibles
○ Deductibles on personal property coverage or home insurance can be as low as $500. If your home is severely damaged and uninhabitable, you may be eligible for Allstate Renters insurance.
Allstate will also cover medical expenses when a guest is injured on your property.
STATE FARM
Benefits from State Farm:
- Multiple policy discounts
○ When you compare home protection, ask about switching you auto insurance to save up to 15%.
- Like All State, they offer low deductibles
The top three companies, Liberty Mutual, Allstate, and State Farm offer the best options. Seek out the assistance of these companies to safeguard your home and possessions. If you are interested in saving up to 15% on your home insurance, get a personal property insurance quote from Blue Sky Coverage today.