When comparing insurance we would welcome the chance to earn your business. And as much as we would love to earn your business we also want to treat you the way we would want to be treated. Our team will take the time to review your policy and even if we can't find something better we don't mind pointing out ways to offer savings and or gaps in coverages that you might have.
Recently we have seen more than a few people think they are getting a much better rate from some other carriers. When reviewing the deductibles and changes many times there are little to no savings and in many cases the new policies would even be higher! Everyone gets letters in the mail offering huge savings or they see the many savings offers online. Most of those are nothing more than something to get you to call or click. Then they sell your information to a lot of different sales people. It is called buying leads.
With homeowners insurance quite a few companies have higher wind/hail deductibles or hurricane deductibles and some carriers have a flat all peril deductibles. Over the years several newer policies that are issued might have different coverages with regards to the roof? And some limit the coverages on contents or might not cover it for the cost to replace? It is important to know what you are comparing as any of these items can be a huge out of pocket expense if there is a claim and it should be addressed if you have items that are better on the current policy. Too often they are not.
It is also really important to keep in mind not only your dwelling coverages but additional and add on packages or coverages. Having a company give you much less coverage and a much higher deductible is generally not in your best interest. We try to do an apples to apples comparison however many times we end up increasing coverages greatly while still offering savings.
One final bit of advice if your auto and homeowners insurance are together. What is known as a package or bundle and a company tries to persuade you to move one without seeing the impact that it will have on the other they are doing you a huge disservice. Over the years we have had a customers tell us that a new company has offered them savings on their auto policy? When we question the homeowners policy in most cases it was overlooked. Meaning the new company had not asked about it. That is not a good sign. Quite often the savings on the home is larger than what they would be saving on the new auto. Recently we have bumped into companies giving package discounts before the property policy is written which is a automatic increase on the next renewal at best case scenario. This is a deceptive sales practice and is just not good business.
Stop in to either of our offices located in Princess Anne, or Salisbury. Give us a call or you can even click here for a quote. Again we would welcome the chance to earn your business.
