How do I choose between insurance companies?

Compare insurers on more than just price. Research each company's financial strength rating from AM Best or Standard and Poor's. Read customer reviews about claims handling and customer service. Ask about available discounts, policy options, and whether they offer replacement cost coverage. Consider whether they have local agents who can help you in person. Get quotes from at least three insurers and compare coverage limits, deductibles, and exclusions side by side. Ask friends and neighbors about their claims experiences with their insurers. The cheapest policy is not always the best value if claims are difficult.