Searching for the right homeowners insurance company can feel overwhelming. With so many options, how do you know which company is the best fit for protecting your home? Here are four qualities to look for in a homeowners insurance company.

1. Personable Customer Service

One of the most important things you want in an insurance company is personable and helpful customer service. If you ever need to file a claim, you'll be relying on the company's team to walk you through the process. Make sure the company you choose has customer service agents who are friendly, patient, and available when you need them. The last thing you want is to feel like just another number. We are here for you!

2. Strong Financial Ratings

You'll also want to consider the financial strength of any homeowners insurance company you're evaluating. Companies with an "A" rating from sources like the Better Business Bureau have been determined to have excellent financial strength and ability to pay out claims. Doing a quick search for the carrier's rating can give you confidence that they will have the funds available if you need to file a claim down the road.

3. Experience With Homeowners Claims

While you hope to never need your homeowners insurance, it's crucial to know your carrier has plenty of experience specifically with homeowners claims. The experience of handling common homeowners issues like water damage, fire damage, or theft ensures the company has the expertise to handle your claim properly. Be sure to ask about their homeowners claims handling process.

4. Competitive Rates

Last but certainly not least, compare rates across several highly-rated insurance carriers. Even with great service, ratings, and experience, at the end of the day, the premium cost matters too. Be sure to evaluate what coverage options you get for the premium dollar with each company. An agent can help weigh what's most important to you in finding the optimal blend of service and rates.

Finding the right homeowners insurance company takes some diligence upfront but pays off tremendously if you ever need to file a claim. Keep these top qualities -- exceptional service, financial strength, specialized experience, and competitive rates -- at the top of your list as you search for trusted protection. Comparing companies on these key criteria can guide you to quality coverage. According to MoneyGeek, 93% of homeowners have some type of home insurance policy. Reach out to T.R. Williams Insurance Agency and let us help you find the right insurance policy for your home.