How to Interview & Investigate a Home Insurance Company

When buying a home, selecting the right insurance company is just as important as choosing the right property. Your insurance policy is your safety net — and not all providers are created equal. At Partners Real Estate Brokerage LLC, we want you to feel confident and empowered as you make this crucial decision. Here’s your step-by-step guide to researching, interviewing, and finalizing your home insurance policy like a pro.

Step 1: Start With Smart Research

Before picking up the phone, do your homework.

• Ask trusted sources – Your real estate agent or lender can often recommend reliable insurers.

• Read reviews – Check platforms like Google, Yelp, Better Business Bureau, and Consumer Reports.

• Verify credentials – Ensure the provider is licensed in Florida via the Florida Office of Insurance Regulation.

• Check financial strength – Use A.M. Best, Moody’s, or S&P to confirm the insurer’s ability to pay claims.

• Experience matters – Ask how long they’ve been covering homes in your area.

Step 2: Ask the Right Questions

Once you have a few providers in mind, schedule a call and treat it like an interview. Consider asking:

• What types of policies do you offer (HO-3, HO-5, etc.)?

• How are deductibles structured for hurricane, wind, fire, and theft?

• Are there exclusions I should know about (like flood, mold, or sinkholes)?

• What’s your claim filing process and typical timeline?

• Do you offer replacement cost coverage or actual cash value?

• Can I bundle with auto or umbrella policies?

• How do you calculate the rebuild cost of a home?

• Are there coverage limits for valuables like jewelry or electronics?

Step 3: Compare Quotes the Right Way

Not all quotes are created equal — review everything in detail.

• Compare premiums, deductibles, and coverage side-by-side.

• Understand what’s included vs. optional add-ons.

• Look into available discounts (e.g., new roof, security system, gated community).

• Ask how premiums may change year-to-year.

• Focus on value and customer service, not just the lowest price.

Step 4: Watch Out for Red Flags

If something feels off, trust your instincts. Some warning signs include:

• Slow responses or quote delays

• Vague or confusing answers to simple questions

• Negative reviews or poor claims experiences

• Unrealistically low premiums without explanation

• No written documentation about exclusions or claims support

Step 5: Finalize With Confidence

You’ve done your due diligence — now it’s time to seal the deal.

• Confirm your lender’s insurance requirements, including escrow details.

• Make sure the policy starts on your home’s closing date.

• Save digital and physical copies of your insurance documents.

• Review and update your coverage annually or after major renovations.

Need help or referrals?
At Partners Real Estate Brokerage LLC, we’re here to guide you every step of the way. Contact us anytime for personalized insurance recommendations that protect your most important investment — your home.