As professional insurance agents, we are asked many questions regarding personal insurance. We thought it might be good to offer answers to the most common kinds of questions we receive.
“Why buy from an agent when I can go online?”
When you buy insurance online, you are forced to become the insurance expert and if there is ever an issue, you have only yourself to blame. In most cases, we can offer the same, or better, coverage with a licensed professional agent who is willing to actually meet with you and educate you on your choices. The cost for these services is included in the cost of your insurance.
“How much insurance do I need?”
That depends on your personal situation. If you have a number of vehicles, recreational vehicles, or a boat, we might recommend higher limits than if you are a renter with no “toys.” We also recommend that you buy auto insurance coverage/limits above the state minimum. If you have a growing family and own your home, we suggest higher limits and a personal umbrella policy to protect your assets. A personal umbrella policy is very competitive and can provide an added layer of coverage and security.
“Which deductible should I select?” The higher the deductible, the lower the premium. In the long run, it may benefit you to increase your homeowner’s insurance deductible above a minimum amount, especially if you are claim free for a number of years.