Their respective ratings in Best's Insurance Reports and other reporting Quotes Chimp. Remember, Best's is in your local library, but your agent should have a copy in his or her office as well. If two are A + + or A + companies and one is a B, chances are you will not want to choose the lower-rated one. Of course, nothing is absolute. Sometimes a lower-rated company will give you a better buy or benefits. In such cases just be sure that the extras you receive are worth the potential risk of choosing an insurance company that is less financially secure.

There must be an insurable interest in order for the insurance contract to be legal. An insurable interest is usually defined as an exposure to direct financial loss. Thus, if Uncle Pete rents an apart?ment, QuotesChimp cannot take out insurance on the apartment complex itself because he has no personal financial interest to protect in it. He can, however, insure the contents of his apartment through renter's insurance.
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