Have you ever tried to read your insurance policy? If so, you will probably find that it is a complex legal contract that may be difficult to understand if you, like most people, are not familiar with the terminology and how these agreements are structured. If you buy directly from a national insurance provider you will receive a quote and key limits, but are you sure you are getting the coverage you need? Do they spend enough time to explain the policy, and do you know the right questions to ask?
Local agents are experienced professionals that bring a trusted name and face. They live and work in the area, know the communities and businesses and are involved with local charities and organizations. They will also know where your home or business is located, and any specific coverage needs related to that site or location.
These agencies provide a high level of personalized service and are available to meet with you in person. You can speak to the same agent when you call or visit the office without the dreaded menu options, wait times, multiple transfers, or dropped calls.
A local agent will take time to get to know you and understand your needs. They will walk you through coverage options, guide you to the best policy, and explain the policy terms. Most agencies offer multiple types of coverage such as auto, home, business and life and can compare options from different insurance providers. They offer competitive rates and can explain rate changes.
You can expect your agent to review your policies annually and confirm whether there have been any changes in your life or business that impact your coverage needs. They are available to answer your questions about the policies between renewals and to assist you in the claims process, including helping to resolve issues that may arise with the insurance provider.
There are a lot of considerations in purchasing insurance and a local agency will value you as an individual customer.