Purchasing a home comes with a wide range of “hidden” costs that you may not have been aware of when starting your journey towards living in your dream house. It’s common to hear people complain about closing costs when they’re ready to get the keys to their new property, but home insurance isn’t something that should be purchased in haste. Finding the right policy to protect your new investment is essential and not a decision that you can take lightly. And even if you have gotten a recommendation from your real estate company or lender, it’s best to conduct your research before purchasing a policy.
What is the Best Home Insurance Agency for Me?
There are plenty of choices out there when it comes to finding a great insurance provider. You can go directly to the source by checking out one of the big national companies you see advertised on TV, enlist the services of a captive agent who represents a single insurance company or work with a local independent agent who represents a variety of different companies.
One of the biggest benefits of choosing an independent home insurance agency is the fact that you can tackle all your insurance needs under one roof. This is because independent agents act as a one-stop-shop for both personal and commercial coverage. Tell them what type of insurance you need, any optional coverages that you’re interested in, and your budget—then they’ll take care of the rest. Since they aren’t contracted to only work with one insurance company, they can take your information and return to you with quotes from several providers. Unlike other agencies, they typically work with anywhere from 3 to 8 insurance companies, making it easy to match their clients with the best possible policy to suit their needs.
Additional Benefits of Working with an Independent Home Insurance Agent
1. Customer Service
If you have questions about your home insurance coverage or worse, need to file a claim, would you prefer to interact with an automated system or a live person? Most insurance companies use automated systems, making it difficult and extremely time-consuming to get anything done on the policyholder’s end of things. But because your independent agents aren’t beholden to a specific company, their focus is on keeping their clients happy and informed. So, if you have a question or could use help filing a claim—you’ve always got someone by your side.
Helping you save money on your insurance premiums is a great way to say thank you for being a client and build a strong professional relationship as well. And while many national providers do offer discounts for their policyholders, if you never speak with a real person, you’re likely missing out on a great deal of savings. Independent agents not only understand what coverages you need but the different discounts you’re eligible for as well, and they’ll do everything they can to make sure you’re investing in the most affordable coverage possible.
When you need legal advice, you don’t simply use Wikipedia, you contact a lawyer. So, why would you blindly select a home insurance policy without first speaking to a knowledgeable independent agent first? In addition to years of experience in the industry, your local independent agency is a part of your community. They understand the unique needs of homeowners in the greater Hartford area and can make coverage recommendations accordingly.
Contact Frangquist Insurance Agency Inc. Today
The biggest role of an independent agent is to help guide their customers through the insurance buying process by identifying their needs and providing affordable solutions. Ready to find the best home insurance policy to fit your needs? Call (262) 673-9000 or contact us today, and be sure to request a free quote!