Residential Insurance Home-Renters

Residential Insurance: Homeowners and Renters 6 Insurance companies compete for your business on the basis of price, quality and service and use various marketing methods such as telephone, mail, television advertising, web sites, agents or sales offices, to make you aware of their products. Many insurers use independent agents to sell their products. An independent agent may represent one or more licensed insurance companies, and when you deal with an independent agent, you are, in effect, dealing directly with the company. The agent is paid a commission by the insurer for the services he or she provides. Other insurance companies are direct writers that use only their own employees or sales representatives and web sites. You may deal with a direct writer by telephone, the internet, mail, or a visit to their sales office. Many companies have their own methods of premium installment or payment plans, so ask for the details regarding premium installments or payments available through the company you consider for coverage. Shopping for Insurance