US Insurance Agents Home Insurance Review
ConsumersAdvocate.org Rating: 8 / 10 (Very good)
US Insurance Agents is an online marketplace that can connect consumers with insurance agents that represent all the major carriers, as well as local providers. The company offers auto, homeowners, renters, life, and health insurance. In the realm of homeowners insurance, US Insurance Agents offers quotes from such companies as AIG, Allstate, and Chubb among others. Their online portal was designed to provide the user with multiple quotes from competing companies in just a few clicks. What's more, US Insurance Agents' website is a useful resource in itself, providing educational materials, company profiles complete with all financial ratings, and user reviews.
Home Insurance Products Offered
- Dwelling coverage
- Other structures coverage
- Personal property coverage
- Loss of use coverage
- Liability insurance
- Additional home coverage
US Insurance Agents also provides policies for renters and those living in condos or mobile homes.
Financial Strength Ratings
Since US Insurance Agents has relationships with some of the largest and most reputable home insurance carriers, the company can offer policies backed by strong financial ratings in terms of creditworthiness and claims paying ability. The following ratings represent AIG, one of US Insurance Agents' preeminent partners.
| A.M. Best | A |
| Standard and Poors | A+ |
| Moody's | A1 |
| Fitch Ratings | A |
Application
US Insurance Agents will initially ask for your zip code in order to pinpoint the agents in your area. They will then ask for the following information:
- Property Address
- Property Type
- Description of property: age, square footage, stories, exterior walls, basement type, number of bedrooms/bathrooms, roof type, garage type, etc.
- Security Systems/Fire Alarm
- Heating System Type
- Residence Type
- Employment Info
- Marital Status
- Education
- Credit Rating
Coverage
US Insurance Agents connects you with multiple quotes from various insurance agencies. What follows is an example of typical coverage types you will find across all companies:
|
HO2 - Covers the "16 named perils" |
Theft |
|
HO3 |
Covers your dwelling from any possible peril (beyond the 16 named perils) except if the peril is specifically excluded in the policy. Floods and earthquakes are a good example of perils that are usually specifically excluded. However, HO3 only covers the contents of your home (your belongings) for the 16 named perils. |
|
HO4 |
Renter's Insurance |
|
HO5 |
This coverage is also called “Comprehensive Form.” It covers your dwelling AND contents from any possible peril unless it has been specifically excluded in the policy. |
|
HO6 |
Condo Insurance |
Discounts
The following discounts are typical of home insurance providers offered through US Insurance Agents:
- Multi-policy discount
- Autopay discount
- Claim-free discount
- Discount for bundling with auto
- Early signing discount
- Home buyer discount
- Safe Home discount
- Retired discount
The Bottom Line – US Insurance Agents Auto Insurance
Although people are increasingly moving toward a fully online experience in most transactions, there is still a significant sector of the population that wants to talk with a live person, especially when making decisions about long term financial commitments like homeowners insurance. If this describes you, US Insurance Agents is an ideal place to start when making the decision of how to insure your home. The company offers a wealth of educational material, and the ability to connect you with knowledgeable agents from many different carriers to help you make the most informed decision possible.