When you buy from a local insurance agency (US!), the client (YOU!) has a hometown advantage becuase the agents are familiar with the local terrain and associated risks. For example, California is prone to earthquakes, floods and wildfires. Not all homeowners’ policies cover these types of risks, and the degree of protection can change depending on the location. As a local presence we can work closely with you to help fill potential coverage gaps and to make any necessary policy adjustments should the situation change. Other advantages to working with a local agent for homeowner’s insurance include:
– Access to multiple markets that allows an independent agent to shop a variety of different carriers at one time.
– The ability to compare several quotes side by side from different A+ rated carriers.
– Access to specialty insurance markets for homes that require coverage for earthquakes, floods, high winds and other perils not typically included in a standard homeowners’ policy.
– The market reach to find the best options available for clients who have experienced large or multiple losses.
– The expertise to identify special risk exposures, such as running a home-based business or having special collections, antiques or highvalue items that may need to be scheduled.
– Personalized claim handling and knowledge of local resources to help insureds recover after a loss.
3 Common Misconceptions About Buying a Homeowners Policy from an Agent:
1: The policy will cost more
Not necessarily! An independent insurance agent can compare coverage and rates from different carriers and match you with the best option that fits your individualized coverage needs and budget.
2: The buying process will take longer
Not always! Buying online can seem faster, but researching a company, obtaining a quote, completing an application and comparing rates takes TIME. Plus! If any of the information in the quote or application is incorrect or incomplete, further delays should be expected.
3: The online process is much easier
Also not necessarily true! Online applications aren’t always as straightforward as you would think. There’ll be lots of questions, and if you don't have the resources to make an informed decision about your coverage, where do you go from there? Chatbots, call centers, or sending an email inquiry into the ether...no thanks! And if you make a mistake on the application at all because you misunderstood or didn't have the help you needed, tack some time onto the already lengthy process.
The choice is clear, call us, beep us, shoot us an email. We're here, available and ready to discuss your options!