Consider the carrier, its financial ratings and how stable its rates have been. Then have a full review with your insurance agent to make sure you are placed with a top carrier that is very stable.

Consider the carrier, its financial ratings and how stable its rates have been. Then have a full review with your insurance agent to make sure you are placed with a top carrier that is very stable.

Why the carrier matters more with more policies

When several homes and vehicles are with one carrier, a sharp rate increase or a carrier pulling back from your market affects everything at once. A financially strong carrier with steady rates protects the whole bundle.

What to review

• Financial strength ratings from agencies such as AM Best
• How the carrier’s rates have changed over the past few years
• Liability limits across every home and vehicle
• Whether an umbrella policy should sit over everything

How Hicks Insurance can help

Hicks Insurance can review your homes and vehicles together and recommend carriers that fit. Request a quote.