The ultimate test of a reliable homeowner’s insurance company is how efficiently and genuinely it handles its clients’ claims. This might as well be the sole reason why some reputable insurers are known to offer considerably superior client satisfaction as compared to their counterparts. The sole best indicator of client satisfaction in a company is the damage estimates it offers. This might translate into savings, as lower-rated insurers tend to have a bigger fraction of clients who don’t agree with their damage estimates and feel that the final settlement is a raw deal.   The homeowner’s insurance is normally an amalgamation of two different kinds of covers: liability insurance and hazard insurance. While liability insurance covers your property on personal liability for any accidents in your home, the hazard insurance covers any accidental damage that may occur on your property; including replacement value to recover the loss or taking care of the cash value of the actual damage. This cover may normally comprise any damages caused by storms, fires, wars, theft or any natural calamity.   In order to get the best homeowners insurance, you need to be privy to the dynamics of the marketplace and actively be involved in the search for a dependable company that will offer you the most competitive deals in terms of insurance policies.