Whether you’re ready to break up with big box insurance or want to commit to a long-term relationship with a new carrier, we think you’ll be happiest working with a local independent insurance agent. A local agent is the best relationship you can have in the insurance industry: They take the time to get to know you, they’ll work to find you the best rates, and when you call, they won’t put you on hold or leave you hanging.
Here are five reasons to love a local insurance agent.
They work with multiple carriers, giving you more options.
Local agents work with multiple different carriers in order to help you find the best coverage for the lowest price. Local agents have access to many different insurance companies, know the benefits to each one and what each policy includes, and can make recommendations for which ones suit different purposes. Having access to so many different choices means lower rates, less restrictive policies, and better coverage overall. A local agent can also recommend ways to cover any gaps in coverage with policies that fit with the insurance you already have.
They have local expertise.
There really is no match for an independent agent’s level of local expertise and what it can do for clients. Local agents know firsthand what it’s like to live in your neighborhood and be a part of the community. That means they know you’ll need higher flood insurance coverage if you live near the coast, and how to prevent ice dams during the frigid New England winters. Local agents can use their expertise to help you better reduce your risks, protect your assets, and provide extra coverage when and where you need it.
They take the time to get to know you and your needs.
Local agents provide the best customer service because they work to give each of their clients the priority and attention they deserve. With a big insurance company, it can be hard to get in touch directly with a representative. Local agents are much quicker to respond, and won’t put you on hold forever when you call. A local agent will also act as your personal advisor and really take the time to listen to and understand your needs. They don’t only want to get you a good price on your policy, but they want to make sure you’re fully covered if you suffer a loss.
They are experts in their field.
Understanding insurance policies can sometimes be challenging. It can be difficult to work out the technicalities and complexities of policies or rate changes, and to know exactly what’s covered and what’s not. That’s where your local agent comes in. Local agents are licensed and have the experience to be able to explain terms simply and clearly, helping you make good decisions. It’s their business to assess their customers’ needs and pairing them with an insurance carrier that will fulfill those needs.
They are your biggest advocates.
Insurance agents affiliated with one company are often tied to certain requirements, but a local agent works for the customer, not the company. A local agent will be there for you when you need them most. If you have a billing question, want to change your coverage, or need to file a claim, your local agent will be your biggest advocate. They’ll work with the insurance company on your behalf, making it more likely for you to get a good settlement.
Need more reasons to love a local agent? If you’re ready to work with a local, independent agent, Cushman Insurance can help. We will be on your side – not the side of the insurance companies. Contact us today.