The world has changed in many ways in recent years. It’s not enough just to have insurance, you must have the correct insurance to protect you against the correct set of risks. There are new risks, and new hazards changing the way that old risks are viewed.
Insurance, and particularly personal lines insurance, has increasingly become commoditized and many people shop strictly on price without regard to the level of coverage available, or the level of service they may receive in their time of need at some indefinite future point in time. While this may offer short-term savings, it does little to consider the types of risks you’re protecting against and whether you have an appropriate level of coverage.
Whether you need Columbia, MO Renters Insurance, renters insurance on the east coast, or renters insurance to cover some risk unique to your lifestyle, you’re constantly bombarded with ads and other media suggesting that you can save money here, save money there. You’re also bombarded with captive agents selling for only one company, many of whom have their own local mass media campaigns. One small Midwest city with a population of just 60,000 residents has seven captive agents representing the same carrier. Every one of them has purchased billboards, TV time, or both.
Unfortunately, those captive agents are limited to selling products and services from one company. Sure, you can get a bank account from them while you buy insurance. But you probably already have one of those, and you didn’t come to that agent looking for advice on bank accounts. You came looking for unbiased advice on insurance, and how to most affordably protect yourself.
Why Insurance Experts Instead Of Direct Writers Or Captive Agents?
There are people out there who can help you to understand your needs and find coverage that you can afford and which protects you appropriately. These insurance experts live and breathe personal lines insurance, and they know the products inside and out. They aren’t the sort of advisors who help you to get rich, but they can offer protection and peace of mind to ensure that you’ll be able to keep what you have. You deserve that peace of mind, because you’ve worked hard for what you have.
Of course you hope for the best in your life, but what if the best isn’t what you get? You’ll want to prepare for whatever life can throw at you. While you may not have considered some of the risks, the insurance experts for renters at Effective Coverage have seen and considered those risks and can help you to understand how your policy protects against them.
Insurance experts for renters have an ability that neither direct writers nor captive agents have. Insurance experts working with multiple underwriters can place you with the underwriter that’s most appropriate for the level of risk that you face. For instance, if you have animals, it’s important to work with an insurance expert with access to multiple underwriters. Some companies have limitations on breeds of dogs, and some companies disclaim any and all animal liability – even for your relatively low-risk tabby cat.
These insurance experts understand not only the policies themselves, but also the general risk appetites of the underwriters with whom they work. Insurance experts know what companies prefer what type of risk, and where your particular set of risks falls relative to what companies want to write. This allows them to get you the right policy, and one which will be there to help you in your time of need.
If you have a complex medical problem, you choose a specialist to handle it – not just any doctor, but someone with extensive experience and training in exactly the sort of problem you’re experiencing. Both captive agents and the people in a direct writer’s call center are insurance generalists. You need an insurance specialist who is familiar with the risks you face and how to best protect against them with the right policy, while saving you money.
An insurance expert for renters is an insurance specialist who has the knowledge and expertise to help you choose the correct coverage to protect your family. An insurance expert for renters can also ask the correct questions to help uncover potential risks you face that you may not have considered yet. Do you know how much jewelry is covered by a standard renters insurance policy in your state? Your insurance expert for renters does, and they also know the correct way to add coverage beyond that level. The correct way to add the coverage depends heavily on the total value of the jewelry, as well as other factors, so this is a crucial distinction.
You say you want to save time and money, of course. Working with an insurance expert for renters helps to save both. It only takes a few minutes to buy a renters insurance policy with an insurance expert, and it will be an affordable policy. But you’ll also save time and money down the road when your claim is covered because you have the proper policy with the proper endorsements.
Working with an insurance expert for renters carries no cost to you. Because Effective Coverage represents multiple underwriters, we work for you. But we’re paid by the companies writing the policies. Your insurance expert is salaried, and so has no incentive to sell you something that you don’t need. They won’t make any additional money off it. Their job is to educate you and help you to get the correct coverage, regardless of the time it takes.
Direct writers want to upsell you or push you off the phone. Captives often don’t have access to products and services that meet the needs of people with edge case situations. The insurance experts for renters at Effective Coverage are there to help you understand your coverage and get the protection you deserve. To find an insurance expert, just call (800)892-4308. Whether you need coverage for your home, your auto, your jewelry, your motorcycle, or even your wedding, Effective Coverage has the insurance experts, the answers, and the products and services that you need.