Why It’s Important to Work with an Agent to Find the Best Insurance Options
Find the Best Rate with the Right Homeowners’ Insurance Agent
Across the board, an insurance agent works to help clients manage risk. They play a crucial role in identifying new information and disseminating it in ways that provide tangible and actionable insights for their clients.
When you buy insurance, you’re buying a promise of protection that could potentially preserve your financial wellbeing. Working with a homeowners’ insurance agent is the key to making the right choices about coverage and ensuring you get the best possible value for your dollar.
Working with an Independent Insurance Agent
Insurance policies are inarguably complex.
Policies are written in lingo that takes years to understand and speak fluently. Not fully understanding your coverage options leaves you vulnerable to circumstances that are largely out of your control. An insurance agent breaks down these policies, effectively gifting you the power of choice so you can make the best decision possible.
Still, many people forego working with insurance agents. This essentially stems from a misunderstanding of what an insurance agent does. There are two types of agents that sell insurance policies: captive and independent agents.
A captive agent represents a single insurance company and only sells products from that agency. Independent agents, on the other hand, have access to multiple insurance carriers. As a result, an independent insurance agent can offer you benefits a captive agent just can’t.
An independent agent, or insurance broker, works on your behalf rather than that of an insurance agency. They not only make sure you’re adequately covered but can also help you save money. Multiple insurance carriers mean more options and competitive pricing. Unlike captive agents, an independent agent can put together a custom-tailored solution, to match you with the insurance provider best equipped to meet your needs.
More importantly, they’re a one-stop-shop for all your insurance needs. An independent agency can offer any or all of the following insurance products:
- Homeowner’s insurance
- Auto insurance
- Business insurance
- Renter’s insurance
Moreover, independent agents make great advocates when you have a billing concern or are looking to make an insurance claim. They’re involved throughout the process, working with the insurance company on your behalf. This way, you can quickly settle your claim or concerns and be made whole again.
Overall, insurance brokers help you find and buy the right insurance. They’re licensed insurance advisors that work for you, not the insurance company.
Finding the Right Insurance Agent
Finding the right insurance agent simplifies the process of choosing insurance. Because they work for you, you can rest assured that they’ll select the right solutions for you.
If you’re shopping around for a trustworthy homeowners’ insurance agent, look for someone who:
- Prioritizes customer care
A good insurance agent doesn’t just enroll you in a product or service. They establish long-term and meaningful relationships with their clients to ensure they get the best deal possible. At the very least, they should communicate any new policy changes and ensure you understand the impact these changes have on you and your needs.
- Provides a comfortable place to ask questions
Contracts are littered with a bunch of industry lingo and legalese that can make insurance policies downright impossible to understand. It’s important to find an agent who can answer any question that is presented to them to help you better understand your insurance coverage options.
- Doesn’t take a one-size-fits-all approach
Buying insurance can feel like a daunting task. An insurance agent must take the time to know you so they can help you acquire the right insurance for your particular needs. You want to make sure you get the best coverage possible without overpaying. As such, the right insurance agent is one who feels like a guiding force rather than a salesperson.
Get the Best Insurance for Your Needs with Coleman Insurance Agency
Working with an independent agent makes it easier to navigate the complicated realm of homeowners’ insurance. At Coleman Insurance Agency, we offer a diverse range of insurance products that can be tailored to fit your needs. Our insurance agents don’t end the relationship when you sign on the dotted line – we are your trusted insurance advisors for as long as you own your property.
We’re here when you need us most. Contact us to get started today with a free consultation.
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