Working with a local insurance agent

by Hunter Harrell

Rural Colorado Communities

FOCUS ON SUPPORTING LOCALLYOWNED AND OPERATED BUSINESSES. When it comes to shopping for home insurance, several factors, such as cost and service options might dictate which carrier a homeowner chooses for coverage. However, residents can reap the benefits of working with a trusted, local insurance agent to navigate the plethora of coverage options.

Home insurance is an essential part of closing the deal. Choosing an insurance company with credibility gives homeowners more peace of mind. Insurance customers often compare various online quotes for both national and regional providers, but some of the advantages of finding a local insurance agent are personalized cost, coverage and customer service.

Experience

Though insurance coverage is often very personalized for individual people and properties, a local agent will usually ask all the important questions to help customers make informed decisions. From comparing deductibles and combining policies to understanding the replacement coverage and current market value, local insurance agents have the experience to understand a homeowner’s most basic needs and complex circumstances.

Connection

Connection to the community is a key advantage for local agents over competitors based in other cities or states. Insurance clients can ask local agents about the area crime rates or seek advice on family-friendly adventures nearby. The fount of local knowledge includes more than giving a new resident or traveling tourist directions, it also means that these agents better understand the risks associated with the region’s weather and other natural disasters.

Cost

Though low-cost coverage can be tempting, it is important to remember that protecting property is protecting a large investment. Supporting small businesses is also an investment in the community customers call home. Not to mention, purchasing insurance locally can save customers money because area agents often have more coverage options available that fit their specific community’s needs.

Customer Service

Local agents find common ground with customers. They know that an insurance policy number isn’t an identity, and local agents will make it a point to call customers by name rather than a number. Homeowners will benefit from being able to communicate with an insurance agent in-person should the customer need advice on how to file a claim, or even a recommendation for an affordable service.

References

While online reviews can be helpful, it is often easier to find a trusted insurance agent by asking friends, family members, neighbors and coworkers. Many area agents can provide regional references for their work. Some are also great advocates for affordable housing and other issues that affect their communities. When shopping for home insurance, working with an honest representative that understands what is important to the client is the best way to protect a property investment.