Choosing the right insurance company should not be a long, drawn out, traumatising experience. It takes research on your part, of course, but the insurer should be one that will fit your needs and be available if you should have questions about your policy.
A home insurance company may not be the best option for a commercial property owner; a commercial buildings insurance company may not be the best choice for a homeowner. Ask your friends, co-workers and family members for recommendations on insurers as well as any issues they may have had in the past. Word of mouth is still the best and most honest form of advertising, so it is a good place to start.
Before you start looking for a specific company, ask yourself what you need. If you are insuring your home, then standard household insurance will work just fine. However, if you own several properties and want to insure the group under a portfolio plan, a local neighbourhood insurer may not be the best choice for you.
Research as many companies as you like, then choose three to interview. Before you contact the insurer for a quote, learn a little bit about the company. Is it operated locally or is it a national conglomerate? Are there special rates or discounts that may apply to your specific situation? Once you learn as much as you can, ask for at least one quote from each insurer. Only then should you decide who will get your home insurance business.