Calhoun's Personal Insurance Package Review

Calhoun’s purpose is to continuously review insurance terms with 35 different insurance carriers. As you may remember, Calhoun reaches out to you periodically to review your insurance. Below, please find our rankings for personal insurance packages and personal insurance premiums. These rankings are a summary of our findings in the last 18 months. We invite you to go over your insurance renewal with us, or, if you would prefer not to wait until your renewal, to contact me immediately to schedule a consultation. Here are our top-rated carriers, by coverage and by premium. Not included in the rankings is the carrier Chubb. Chubb provides exceptional coverage, ideally suited to homes $1,000,000 +, with add-ons that make a distinctive client feel secure. This coverage comes with an expected premium. We felt this package skewed the rest of the information below, so we omitted it from the chart.

Notes: Chubb is significant coverage, often for a significant price. Allied’s coverage is unbeat by any package. Selective’s coverage compared to Safeco’s relatively new “Optimum” program, as well as Travelers “Platinum” endorsement or HVP endorsement. West Bend Home & Highway package rates varied with their special pricing for special professionals, which could affect their ranking considerably. MetLife’s coverages were superior in only rare circumstances.

In many cases, people thought they had superior coverage from past comparisons of the old St. Paul Companies’ Pak II coverage to what was the marketplace then, not now. In almost 100% of MetLife comparisons, same or better coverage was available at better premium with similar national A-rated carriers. Don’t see a carrier we represent? We didn’t find they ranked by volume, coverage, or claim service. For example, we didn’t add AAA as the coverage is dissimilar to most of the above, the roadside assistance is double the rate of Allied for less coverage, and the claims service didn’t perform well enough for us to recommend the product to new clients in 2009.

We remain more dedicated than ever to serve you, our clients, who need us to focus on delivering the most comprehensive insurance from reputable carriers at the best premium.  In 2009, we shopped more for current clients than in the last several years combined. Times change, insurance carriers change, and you need an agency that will be here to help you assess the carriers, and evaluate the choices.