Is Geico A Good Home Insurance Company? 
-- > Normal 0 -- > -- > Im not sure I can agree with the statement The lowest premium will be afforded to those that purchase home insurance direct from a carrier . There are just too many variables for one to draw that conclusion . Homeowners policies are not identical , they consist of 40-50 pages of numbers and words most insurance buyers have little interest in reading , until there is a claim . To determine what many of the words mean , you must refer to court cases and rulings , which are not part of the policy . Buying insurance is easy but buying the proper insurance is a complicated process . Insurance buyers need a competent professional intermediary ; someone with knows the ups , downs , ins and outs of securing and maintaining the proper insurance coverage under the most favorable terms . I have little confidence that intermediary would be someone sitting at a computer terminal in some far off place who knows nothing about me or my community . You may be better off with your local insurance professional . 