Is it better to purchase homeowners insurance online or in person with an agent?

Are there any disadvantages to buying homeowners insurance online? This is my first time buying homeowners insurance and I am a little nervous. I usually prefer to do all my business online or through an app because I hate talking on the phone.

Answer provided by
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Shannon Martin
Answered on Jul 13, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
“There are pros and cons to both options, but one isn’t better or cheaper than the other.
Online is a great way to start shopping for home insurance. This way, you can get several quotes at once and compare them side by side.
Insurance shopping has come a long way; most sites and apps have simple explanations of what each coverage is and why you may or may not need it.
If you are unsure of what coverages you need or are concerned that you may not understand some of the insurance jargon, it may be better to speak directly with an agent.
Most car insurance companies also write homeowners and renters policies, so reach out to your current auto insurance agent to complete the purchase.”
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