We know that your insurance dollars can be spent in many ways. We want to EARN your business by regularly reviewing your coverage, and helping you receive the best value for your insurance dollar. We found some excellent advice here, at the National Insurance For Insurance Commissioners. We've edited it just a bit. Whether you're looking for your first agent or thinking about switching agents or companies, it's a good idea to have several to choose from.
Have conversations with prospective agents. Explain your situation and ask for a quote. Simply asking does not mean you have to work with them. This is a chance for you to get a feel for how they work and if you're comfortable with them. Many agents and brokers will have letters behind their names on their business cards. These represent designations or credentials they have earned from various insurance groups or associations.
Ask them what these letters mean and what they had to accomplish to earn the credential. When evaluating a company, you also want to check its company financial rating.
Have conversations with prospective agents. Explain your situation and ask for a quote. Simply asking does not mean you have to work with them. This is a chance for you to get a feel for how they work and if you're comfortable with them. Many agents and brokers will have letters behind their names on their business cards. These represent designations or credentials they have earned from various insurance groups or associations.
Ask them what these letters mean and what they had to accomplish to earn the credential. When evaluating a company, you also want to check its company financial rating.
Services
Covers your liability for injuries you cause to other people and property damage for which you are at fault.
This coverage usually is expressed in a "split number" such as 100/300/100.
The first number is the limit (in thousands of dollars) that your policy will pay for bodily injury per person in the event of an accident.
The second number is the total limit your policy will pay for bodily injury to two or more people per accident.
Many people are underinsured today because of the rising costs of vehicles (making it easy to exceed your Property Damage limits) and the high personal injury awards in lawsuits.
This coverage usually is expressed in a "split number" such as 100/300/100.
The first number is the limit (in thousands of dollars) that your policy will pay for bodily injury per person in the event of an accident.
The second number is the total limit your policy will pay for bodily injury to two or more people per accident.
Many people are underinsured today because of the rising costs of vehicles (making it easy to exceed your Property Damage limits) and the high personal injury awards in lawsuits.
The single biggest investment you may make in life is your home.
Are you sure you've protected your investment?
Let us review your homeowner's policy with you and make sure there are no gaps in coverage.
You may want to review this coverage with us, to make sure you are adequately protected in this area.
A homeowner's insurance policy normally provides limited coverage for collectibles, jewelry, furs, etc.
It may be necessary to insure your valuables with a Personal Property Floater.
A Personal Property Floater provides coverage that is broader than the coverage in your standard homeowners insurance policy.
Are you sure you've protected your investment?
Let us review your homeowner's policy with you and make sure there are no gaps in coverage.
You may want to review this coverage with us, to make sure you are adequately protected in this area.
A homeowner's insurance policy normally provides limited coverage for collectibles, jewelry, furs, etc.
It may be necessary to insure your valuables with a Personal Property Floater.
A Personal Property Floater provides coverage that is broader than the coverage in your standard homeowners insurance policy.
Universal Life allows you the flexibility to make changes as your life circumstances change, without having to change your life insurance policy.
Lock in your insurability now, while you are healthy, and start protecting your loved ones, while you build cash for for your future.
Ask us about a personal Life Insurance Review.
We can help you determine the amount of coverage you need, and show you how simple it is to get started!
Term Insurance covers you for a specified period of time, such as one, five, ten or twenty years.
Lock in your insurability now, while you are healthy, and start protecting your loved ones, while you build cash for for your future.
Ask us about a personal Life Insurance Review.
We can help you determine the amount of coverage you need, and show you how simple it is to get started!
Term Insurance covers you for a specified period of time, such as one, five, ten or twenty years.
If there is a fire or other catastrophe, who will replace your clothing, furniture, stereo, TV, computer, jewelry?
Your Renters Insurance policy can help replace your personal belongings in the event of a covered loss.
Common losses are due to not only fire and theft, but also accidental and sudden discharge of a sprinkler system.
Water damage can be as destructive as fire- don't get caught without the right insurance!
Your Renters Insurance policy can pay the additional costs of living in hotels, eating in restaurants, etc., while you are out of your home due to a covered loss.
Your Renters Insurance policy can help replace your personal belongings in the event of a covered loss.
Common losses are due to not only fire and theft, but also accidental and sudden discharge of a sprinkler system.
Water damage can be as destructive as fire- don't get caught without the right insurance!
Your Renters Insurance policy can pay the additional costs of living in hotels, eating in restaurants, etc., while you are out of your home due to a covered loss.
Don't let a judge and jury decide whether or not you are in debt the rest of your life for an accident.
If you have assets to protect, you may need an Umbrella Liability Policy!
An Umbrella Policy is inexpensive compared to the cost of a lawsuit.
It can provide coverage for up to one, two or even five million dollars OVER and ABOVE the liability limits of your basic homeowners and auto policies.
If you have assets to protect, you may need an Umbrella Liability Policy!
An Umbrella Policy is inexpensive compared to the cost of a lawsuit.
It can provide coverage for up to one, two or even five million dollars OVER and ABOVE the liability limits of your basic homeowners and auto policies.
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