10 Reasons You Should Be Using an Insurance Broker

In today’s fast-paced world, choosing insurance through a direct writer may seem convenient, but there are powerful reasons why working with a broker can offer unmatched value and peace of mind.

Here are 10 reasons an insurance broker is better:

1. Personalized service

An independent insurance broker offers personalized service that direct insurance companies can’t match. Insurance isn’t one-size-fits-all. We take the time to get to know you and your specific needs so we can find the best insurance options for you. We make sure you’re properly covered without spending money on things you don’t need.

2. In-depth knowledge

Insurance can be complicated. It involves a lot of jargon and complex terms that can trip up even experienced industry professionals. Independent brokers have a deep understanding of the insurance world, and we can explain even the most convoluted provisions in clear, understandable terms. What’s included (and not included) is hard to figure out alone. We wade through the legalese so you don’t have to.

3. Time savings

An insurance broker saves you time by handling the detailed work of comparing policies, filling out forms, and clarifying coverage terms. Instead of you spending hours researching or navigating complex insurance options, brokers use their expertise to efficiently identify policies that fit your needs, often presenting you with a shortlist of options that make the decision-making process simpler and faster. Additionally, they manage renewals, policy updates, and claims support, meaning less back-and-forth with insurers and more time for you to focus on other priorities.

4. Access to more options

We have access to a broad range of insurance products from different companies. This means that we can provide more options and better pricing than you’d likely be able to find on your own.

5. Claim support

This is an important one: Insurance generally comes into play when something has gone wrong. We sincerely hope you never have to file a claim, but if you do, we can advocate for you. We’ll help you navigate the process and ensure you receive a fair settlement.

Also, if you’re ever on the fence about making a claim, we can assist you. If you file too many claims on a policy, the insurance company can increase your premiums or drop your policy altogether. We’re here to help you evaluate the situation. It’s like having a knowledgeable friend in your corner when you need one the most.

6. Professional, well-informed advice

Sure, maybe your friend had a good experience with an insurance app. But maybe they just got lucky. They might not have a sports card collection worth thousands of dollars that needs protection. And they might not know how to handle a catastrophe or whether their insurance will cover them when they need it.

No offense: Your friend doesn’t know insurance. But we do. And we love giving our clients the best advice we can, based on our professional experience and knowledge. We’ll help you make sound decisions about the types and amounts of coverage to purchase.

7. One-stop shopping

We have relationships with various carriers and offer all kinds of coverage — home, auto, travel, health and so forth. Whatever you need, we can help you. It simplifies your life a lot when all your coverage is under the same roof.

8. Regular policy reviews

If there’s one constant in life, it’s change. And your insurance needs change as your life changes. We conduct policy reviews with our clients regularly to make sure their coverage evolves as needed. Different insurance carriers might be better suited to you as your life changes, and we have relationships with multiple carriers.

Have you ever received a policy update notification and wondered if it mattered? It does! Even tiny changes to the definitions and terms section of your policy can significantly impact your coverage. And guess who’s here to help if you have questions about those indecipherable letters? You got it — We are!

9. Privacy

We’ve all seen the news: Massive data breaches are becoming increasingly common. We have the most stringent safeguards to keep your sensitive information safe and private. You never know what kind of security standards an app will offer.

10. Accountability

We’re proud members of the community. For that reason, we take pride in our work and our reputation. For starters, it’s just the right thing to do. Our business also depends on referrals and positive word of mouth. If you’re not satisfied, we’re not successful. So we do our very best, every day, to do right by our clients and our community. It’s a point of pride for us.

Thanks for hearing us out. Still not convinced? Drop us a line or call us for a no-pressure, no-obligation chat. We’re always happy to talk insurance.

This content is for informational purposes only and not for the purpose of providing, financial, medical or legal advice. You should contact your attorney, doctor, broker or advisor to obtain advice with respect to any particular issue or problem. Read more about our limitation of liability here.