6 Advantages Of Hiring A Local Independent Insurance Agent

Hey guys, Jason here with 303 Insurance Brokers. I want to show you guys another great insurance tip of the day. I was recently having a conversation with one of my good buddies. Who’s a roofer. He was reiterating to me the importance of coverage called building ordinance coverage. This is where we, as independent insurance agents, can help in so many ways possible.

What Is Building Ordinance Coverage

What building ordinance coverage does is that if there’ve been any code upgrades required by your local municipality, whether it’s a city, county, or state, it puts insurance dollars in place to pay for those upgrades. So you don’t have to pay them out of pocket. What struck me as odd is that.

I’ve never written a policy in all my time in insurance that doesn’t include building an ordinance coverage because I realize how important it is, but really what the shocking part was is he says he runs into clients all the time that does it. It gets back to the crux of the scenario because many people are still purchasing home insurance by going online.

Purchasing Home Insurance Online

When you go online to purchase homeowner’s insurance, you don’t know what you don’t know. You don’t know the great home insurance endorsements that you want to have on a policy to make them perform significantly better. The crazy thing is, things like building ordinance coverage are very inexpensive when we think about the overall scale of your insurance costs for your home insurance.

So, there are many significant coverages there that will make your pop and your policy perform significantly better. Right? If you use a local agent versus going online and doing it. So this message out there, my insurance tip is if you have not had an insurance review, if you have not had a local agent, look at your insurance policy, you’ll reach out to me.

6 Reasons Why You Should Work With A Local Independent Insurance Agent

1. Get Expert Advice From Your Independent Insurance Agent

Shopping for insurance can be complicated. To get the most out of your insurance policies, you must be aware of many insurance terms, legal clauses, and coverage limits. 

Think of your local insurance agent as an advisor, a lawyer, and an advocate. They supervise all of the problematic, tricky aspects of insurance on your behalf while providing insight and advice when necessary. 

2. Get Flexible Options

Independent insurance agents represent various insurance policies from many insurance carriers. They will provide you with different coverage options and price points. Two insurance companies offer products from the same type of insurance policies that may differ in price and scope of coverage. diverse

A local independent insurance agent can help you compare the best product with the best rate to meet your needs in this area.

3. Better Service

Insurance agents periodically review your coverage. We offer annual insurance reviews to ensure you get the best out of your insurance premium. We can help you through all the changes in your life. Whether you’re going from renting an apartment to buying a home, starting a business, getting married, renovating your home, adding a teen driver to your auto policy, or looking to cover that retirement condo.

4. Save Money

Cost is a significant factor when it comes to choosing insurance policies. However, you do not want to achieve lower insurance costs at the risk of jeopardizing your insurance coverage.

When you hire an experienced insurance agent to advise you in choosing policies, you can better compare your options and maximize your benefits at a lower cost. In the long run, this can save you a substantial amount of money without sacrificing essential insurance benefits.

5. Help Throughout the Claim Process

Here at 303 Insurance Brokers, as local and Independent insurance agents are dedicated to a culture of excellent customer service, offer help throughout the claim process. Less service-oriented agents believe their job is done and dusted once you’ve filed the claim. 

A hands-on local independent insurance agent can often resolve claims issues in a matter of days. They’re involved throughout the process and can translate the often confusing language of insurance for their clients.

6. Peace Of Mind

Another benefit of hiring a local independent insurance agent is that they are highly vigilant when examining a policy. This means that they will go through every detail and cross-check to ensure that you’re not being tricked. 

Insurance brokers can also guide you about the information they should provide and details they must not supply, even if the policy demands. 

303 Insurance Brokers want to make sure you’re protected. I want to make sure that the claim is going to play out in the best scenario. It can, by having the right coverages in place before you need them.