How do I obtain a copy of my home owner's insurance policy?

How do I obtain a copy of my home owner's insurance policy?

My husband and I can no longer afford to stay with our current insurance agent. My 17 year old son is driving now and my auto policy tripled. We also insure our home through this company. In order to shop around and compare like to like, I need a recent copy of my home insurance (I have my auto). I really hate the idea of dealing with my agent again. Can I access it any other way?

car253

Check with your agent first to see if there are any discounts you are missing. Ask about multi-car discount, multi-line discount, good driver discount, good student discount, loyalty discount. Ask which discounts you are getting and if your missing any they offer. If you are missing any discounts they offer ask how to get them.Ask about discounts. It is the only way to lower your premium. Shopping around may not help. A young driver always costs a lot.

Casey

First, do you really think your rate tripling was your agent's fault or the fact that you added a 17 year old to your policy? I want you to really think about that before you go forward. If you had no accidents/tickets/claims and nothing else changed but your premium went up, your agent might be to blame. However, the rate is the rate- 17 year olds (boys are WAY worse than girls by the way) cause accidents.Have you shopped around the auto policy to see if that premium is in line? Why not shop that around before moving your homeowners policy too?You might be able to access it online, depending on your carrier. Your other option is to call the agent. If you are embarressed to call them given, you should be- the agent hasn't done anything wrong here, the rate is just high because of the young driver. Oh, yeah, you get a copy of your homeowners policy every year...so you should have a copy somewhere if you don't want to contact your agent.I will say that you are wise to ask for the policy before shopping your home- it is tough to compare policies unless the quotes are offering the same thing. I could sell you a cheaper policy than anything you have now, but it will not cover you properly.To clarify. I think you should definitely shop your account, but I wouldn't burn the bridge with the current agent. What happens when you shop around and find out they were still offering you the best option available? Then, you'd be really embarressed.

falsi

Your insurer MIGHT have an on-line website.Try calling your insurer's national response center for a copy of your policy or assistance with their website. Good luck.

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