It's very important for consumers to understand that they are part of the insurance buying process. We are not here to tell them what they need for coverage or what limits of coverage to carry. They have to make that choice and we will help get them there by offering guidance and choice.
Build a relationship with your agent and get the best value for your dollar. You may save a few dollars here or there but we believe we will add much more value to the relationship that you will find to be worth it. By selecting us as your agent we will add value to our relationship.
Stay current with your coverage. Don't put your policies in a drawer and forget about them. The last thing you want is a dated policy at the time of a loss. Remember to speak with your agent and ask questions. Call us and find out how much it will cost before you buy that new car. Call and make changes to your homeowners when you build that garage or add that addition.
Self insure and keep your premiums low. Insurance is designed for the catastrophic loss, not the little things that will drive your premiums up or make you a higher risk. We all understand that when we buy a car we have to maintain it. Your home requires the same approach.
Choose a higher deductible and save premium but be responsible. Now a days peoples are regularly choosing $500 to $1000 deductibles, maybe more on their homeowners policy.
Stay with your agent and insurance carrier to earn renewal credits and loss free discounts. People that move their policies every six months to a year really don't save anything. They just keep starting over. Always feel free to call and ask questions or ask for a comparison quote. There are many things that drive the cost of insurance. From insurance score (financial score) to your birthday, call us if your situation changes. Call and ask questions, that is what we are here for.
Pay your bill on time and maintain those earned discounts. These are often lost when a policy is cancelled and folks will have to start over.
There is NO FLOOD coverage on your homeowner policy. If you live in a flood area buy the coverage! As a matter of fact, even if you don't live in a flood area buy it.
The bottom line, talk to us, ask questions and be a wise insurance consumer.
Before you ask us "how much insurance should you carry on your auto policy", ask yourself, What would I expect from anybody else that injured or killed, myself or a family member of mine and you will get your answer.
