Select an Agent that is accessible, the hours you need - not their needs.
Investigate and make sure your Agent is with a reputable company.
Select an Agent with whom you enjoy working.
Have your Agent perform a personal insurance review every year of all your insurance needs.
Make sure the coverage's you select are what you need.
Ask about the claims process-what should you expect.
Insure the cost to rebuild your home - not the land.
Get home and auto coverage's with a higher deductible which will be a lower premium for you. Lower deductibles often mean higher commissions to agents.
Term Life Insurance is very inexpensive and provides for a young family.
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