1st, as with all insurance products, find a company with a strong financial outlook.  Is the policy from an “A rated” company?  Standard and Poors, Moodys and A.M. Best, provide letter ratings on insurance carriers; ‘A’ being the top rated and it goes down from there.  The insurance is only good if the company can financially stand behind the product, even in the case of a catastrophe.  That means, paying claims. Also, will you speak with people when you call claims or have to follow endless prompts, only to leave messages on a machine and wait for a return call?... Continue Reading →