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Not every homeowner's insurance company is licensed in every state. So just because a friend has a policy through a certain company or there was a commercial on TV that caught your eye, that doesn't mean your choice is made for you. Check with your state's Department of Insurance. Some states will have a list on their Web site while others may not or they may not be very easy to find. If you cannot find the information online, give them a call to see what agencies are licensed to provide insurance where you live.
Now that you have that list, you can start doing your research and home insurance comparisons. There is no point in wasting time evaluating companies that would not be able to provide you with home insurance anyway. Your time can instead be spent productively by focusing on the companies that are viable options for you.
|Jennifer Mathes, Ph.D.|