Here today, gone tomorrow. record weather events in recent years show how quickly everyone can lose a house, car, or property. In addition, tornadoes, hurricanes, hail storms and forest fires are not discriminatory. Everyone is at risk.
If you're like most Americans, it is possible that you do not have enough money to rebuild your home or repair or buy new self should you suffer a substantial loss. By buying an insurance policy, you transfer the risk of loss to the insurance company. This is the value of an insurance policy: the transfer of the unknown (risk of a possible financial disaster) for known (affordable annual premiums)
But do not be fooled - not all insurance policies are created equal .. true, you can buy a policy online at low cost in just a few minutes. You might save some money, you could save a little time, and you do not even need to talk to everyone! But what happens the first time you have a question about your coverage? Who you talking about? And if you have a loss? Are you sure the coverage you have purchased on the Internet covers the diamond ring that is lost on vacation? Otherwise, the amount you have to pay out of pocket to replace it goes far beyond the few hundred dollars you have saved in insurance premiums by purchasing insurance online at reduced rates.
This is where you will discover the value of your independent insurance agent. Let's face it - most of us have trouble understanding our insurance policy. Your independent agent can help take the mystery out of your insurance coverage. Have an independent officer of confidence that your insurance advisor means you get the benefits you can not get from any website. expert guidance and advice, personalized attention and interaction, the ability to offer complete protection to meet your unique needs, and excellent customer service are some of the ways independent agents bring value to 'insurance transaction.
You also get the peace of mind that comes from knowing your agent is a lawyer for you, not the insurance company. Independent agents working with several companies allowing them to "shop" for you to find the combination of coverage, price and service that meets your needs.
So before buying an insurance policy "value", consider the value of an independent insurance agent can provide. After all, peace of mind is priceless!
0 Komentar