Insurance Guide
How To Choose The Right Insurance Agency
- Make sure that the agency is licensed and registered in your state.
- Check to see if the agency is accredited by the Better Business Bureau. This means that they have met certain standards of quality and accountability.
- The agency should also have a good reputation and be well-reviewed by past customers – check their review!
- Finally, it’s important to get quotes from multiple agencies so that you can compare rates and find the best deal possible.
AskLocal Insurance partners will take the time to fully understand your budget concerns, policy needs, and overall goals. With that information, they’ll then shop all carriers for the best terms possible. No need to call 15 different agencies. Our partner does that for you.
Differences between an insurance broker and an individual agency?
- An insurance broker is someone who helps you compare rates and find the best policy for your needs. An individual agent represents a single insurance company and can only sell you their policies.
- Brokers are independent, meaning they work with multiple insurance companies. This allows them to compare rates and find the best policy for you. They’re also experts on insurance, so they can help you understand your options and make the right decision for your needs.
- Many people prefer to work with an insurance broker because they get unbiased advice and the best rates available. If you’re looking for car, home, or health insurance, working with a broker is a great option.
AskLocal works with brokerages. Insurance agents that rep one carrier have limits and are notorious for slowly driving the premium costs up over time. Rest assured you’ll be getting the best policy and premium around using our local insurance partners.
Protecting yourself and eliminating liability
- Your home is likely one of your biggest investments. If something were to happen to it – like a fire, tornado, or burglary – you could be left with a lot of damage to repair or replace. Home insurance can help protect you from having to bear the full financial burden of that damage yourself.
- Home insurance can also help protect you from liability if someone is injured on your property. For example, if someone falls down your stairs, they could sue you for damages – and home insurance can help protect you from having to pay those damages out of pocket.