What is the best insurance agency for home and auto?
In the United States, car insurance is legally mandated by the state. Home insurance is often also required if you have a mortgage loan or if you live within an HOA, but there are other reasons why you would want to have this insurance as well. Most insurance plans offer a bundle for both home and auto, but it can be hard to know the best option for your situation.
USAA
This well-known company coverage also includes identity theft protection and covers your replacement costs. They even have a digital app to let you submit claims. However, this company only provides service to military members, veterans, and their families. There are also not as many home insurance options as other companies and not many offices to walk into. Accident forgiveness, complimentary roadside assistance, and car replacement assistance can be great if you are a military member or family member.
Allstate
Allstate is one of the larger companies known for significant discounts and a huge number of coverage options. They also have an option for online estimates and even offer in-app discounts for “safe drivers” who do not get into accidents. The main downside of this company is that the prices are higher than other companies. However, they provide rental reimbursement, personal umbrella, roadside coverage, and custom equipment coverage.
State Farm
You have heard of State Farm. They have a huge amount of home insurance options and even have local agents in many offices around the country. Their app is very useful and is easy to use. They even allow homeowners insurance policies to adjust to inflation. The downsides are that their homeowner’s insurance discounts are not very good, and they only offer asset protection if you have a State Farm loan.
American Family
American Family is a well rounded option that offers optional accidental death and dismemberment within their auto coverage. They also have affordable home insurance and protection against credit card theft. However, you cannot purchase a policy if you do not speak to an agent, and it is only available in 18 out of 50 states. The rates are also very high for anyone with moving violations or DUIs, and they do not offer online quotes.
Considering Denver Insurance? Contact us today to learn more about the policies we can connect you with.
