Deciding who to place your trust in to insure your home, your business, or your vehicles is a HUGE decision. It could mean the difference between accurate coverage and gaps in your coverage. It could mean the difference between a small hiccup and a lengthy financial disaster. It could mean the difference of local support and being shuffled from random person to person, while being placed on hold.
Here are Four Great Questions To Ask An Insurance Carrier To Ensure Best Fit:
Who do I call on the weekend, holiday, or during the evening when I come face to face with disaster and need to make a claim?
It’s those moments we all dread. You pull into your driveway after being on a family vacation for a week. It’s late and you feel tired from the drive home. You pull into the driveway, unhook your kiddos, and then unlock your front door. You step inside, arms full, to several inches of water covering your floor. And there is water pouring from the ceiling of where your second-floor bathroom is located.
At that moment, what do you do? Who do you call? Do you dial-up a 1-800 number and leave a message?
Thankfully this family dialed up their local independent insurance agent, who was able to come assess the situation and support the family through the process of making a claim and getting the repairs in order.
Whether your basement is flooded, your car is wrecked, or you find yourself at the other end of a lawsuit, you want to ensure that the insurance agency you partner with has an agent you can connect with on those inconvenient moments, and in a timely fashion.
Can I bundle my home and car insurance?
Before we answer the question, let’s cover a few basics…
What does “bundling insurance” mean?
Bundling is an insurance term used when a customer purchases two types of insurance from the same company.
What are the benefits of bundling?
There can be many advantages to bundling insurance. The benefit that attracts the most customers is that it can save you money. Oftentimes, the more business you bring to a company, the more savings available to you. Another benefit is simplicity. Instead of two bills, two records, and two phone numbers, it’s one.
So back to the original question: Can I bundle my home and auto insurance?
Choosing to work with an insurance company that can bundle your policies can be an advantage and an opportunity for savings now and in the future.
If I pay in full, is there a discount available for me?
Let’s be honest, who doesn’t LOVE saving money? Most Americans love a good deal or an opportunity to save money… So as you are looking for an insurance company, ask whether or not “paying in full” will save you money.
What does “paying in full” mean?
Most people pay for their home or auto insurance each month. But there is another way! To save money, you can pay the full policy term up front to eliminate your monthly payments.
Can I add my utility vehicles and/or snowmobiles ALL to one policy?
Although this seems a no-brainer, few people inquire about having their utility vehicles and/or snowmobiles included in their policy. Be sure to ask your agent. The last thing you want to do is sign up for an insurance policy to find out that you need a SEPARATE policy or different insurance company to insure your snowmobiles or utility vehicles. Our lives and schedules are already complicated and busy; let’s ensure our insurance policy is NOT.
Ask before you sign!
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