Get Free Insurance Quotes Online with Top of Insurance
Insurance doesn’t have to be complicated. We understand that sifting between all the different insurance providers and their policies can seem daunting, especially if you need to be insured sooner than later. You can get free insurance quotes online with Top of Insurance. Our easy-to-use interface sources quotes from the top home insurance providers in the nation.
Finding the best home insurance for your needs is our primary goal! Contact us today with your questions about insurance or to get a free insurance quote.
How Top of Insurance Can Help You
We take the burden of searching through tons of homeowners insurance companies off your shoulders and provide quick, easy, and free quotes. All you need to do is answer a few questions about your home insurance needs and our interface will generate a quote for you in minutes. Questions will vary on the type of insurance you are looking for. Your quote will show you your monthly payment and the coverage amounts allotted in the policy.
If you would rather speak with an insurance agent, we have experienced agents a phone call away that can walk you through the process. Our agents can answer any questions you may have and explain the different components of the policy in simple terms. We break down complex insurance topics so that you can better understand the coverage you are getting.
Not sure what you need? We can help you find the best homeowners insurance policy that makes sense for you.
Contact us to speak with a licensed insurance agent today!
Types of Insurance We Work With
It is vital that you have a solid home insurance plan to protect the roof over your head and your personal property inside. Use Top of Insurance to get a home insurance quote that covers all the bases for damage from hurricanes, water, wind, hail, lightning, break-ins, and more. We can also help you find a policy that has components like Additional Living Expenses (ALE) coverage to cover costs if you have been displaced after a storm. Whatever you need, Top of Insurance can help you find it.
For those looking to purchase a new home, having homeowners insurance is a requirement to qualify for a home with a mortgage loan. We can help you find coverage that fits your needs and budget. Please contact our agent with any questions you may have. We look forward to working with you!
Important Items to Look for in Homeowners Insurance Policy
Replacement Cost Value v. Actual Cash Value Coverage
There are two major coverage models with homeowners insurance. These are Replacement Cost Value (RCV) and Actual Cash Value (ACV). With RCV, if your home is deemed a total loss after a covered peril, you will be paid the total amount to replace the home at the value outlined in the policy. RCV is beneficial because you know how much you can be paid after a loss, regardless of the condition or value of the home at the time of loss. A downside of this policy is that your home value may go up, meaning you would be leaving money on the table. However, you should be adjusting your policy coverage amount in accordance with your home value each term.
ACV coverage means you will be paid an amount that matches the value of your home at the time of loss. The insurance adjuster will make this determination. If you do not agree with their valuation, you can appeal it and seek an outside opinion from a public adjuster.
Additional Living Expenses (ALEs)
Additional Living Expenses are expenses that a policyholder can incur after a loss. Things like temporary repairs, restaurant meals, hotel bills, etc. You may be able to be reimbursed for these expenses under certain policies. This is why it is important to keep any and all receipts after a loss.
Why Should You Work With Top of Insurance?
We are Experienced
Our agents have been in the insurance sector for years and know the ins and outs of the business. We know what to look for and the best providers based on your area. Finding the best insurance provider depends on where you live. Our expertise gives us insight into which providers are good options for your region.
We Look Out for Your Interests
Finding the right insurance policy isn’t just about price. You need to ensure that you are getting adequate coverage based on your needs. Our agents can help you determine which coverages match your needs while still staying close to your budget. You should never sacrifice coverage just to save a few bucks on your monthly premiums. When something happens and your insurance coverage isn’t up to a good standard, you will end up paying more out of pocket.
We Make Finding Insurance Simple
Why spend hours going from insurance site to insurance site sifting through information and waiting for quotes? With Top of Insurance, we provide tailored quotes within seconds. Insurance shopping can be boring, time- consuming, and more of a chore than anything else. Our interface handles the work for you and compares multiple quotes for you instantly so you can make an informed decision.
Start Sorting Through Free Homeowners Insurance Quotes Now!
Don’t go another day without getting the insurance you need! Whether you are looking for insurance for the first time or looking to switch things up for better coverage and lower rates, Top of Insurance can give you the best available options. Call us to speak with an experienced, friendly insurance agent or use our online tool to pull quotes from top insurance providers.
If you have any questions along the way, our team is standing by to help. You can feel confident knowing you got the most value for your dollar when you shop insurance quotes with Top of Insurance. Call now!