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Policyholders often need to talk to their insurance agents | Real Estate Insurance Coverage Blog



Insurance is important. Insurance agents who cover some coverage are just as good as it will be an important role for the insurance work to work. Admittedly, most of us avoid taking enough time with our insurance agents and probably give up too much worry about costs.

I was thinking about this recently when I read an article by Bill Wilson, It could not happen to me . Wilson is an insurance agent educator and he did this so that agents tried to convince them that selling the little extra is worth a fortune in peace of mind:

When we got our pontoon boat in 2013, I add jet ski coverage to our personal line account and our personal umbrella policy for $ 2M. The cost of extending the umbrella responsibility to the boat? Seven dollars. Yes, you read that right, SEVEN dollars ($ 7.00). What watercraft owner can not afford an extra $ 7 premium for an umbrella policy?

John Carr is Vice President of the RR Industries Restoration Department. His company has been in the construction business since 1

946. They asked me to give a presentation on the hurricane's readiness for the Palm Beach North Chamber of Commerce on July 1st. I was asked what the first thing a policyholder would do to prepare for a storm, and I said something to the effect:

Call your insurance agent and make sure you have all the insurance coverage you need if you had a serious loss from a hurricane . I told them to do it even though it was late to get the right coverage. I also told them that in my book, pay up! I explain that choosing the best insurance agent they can find is important and not to look for their insurance agent on a golf course.

My post, Trends in the Florida Insurance Market That Business Leaders Must Consider in Hurricane Preparations noted:

Insurance agents play an important role in the success of any business. Good commercial agents know the marketplace of their customers, the trends, competing products available and the coverage that should be considered. Agents have many obligations to their clients; The most important thing is to educate the customer about the coverage required to maintain a business after a disaster.

My advice: create a good relationship with one agent and consider two. Meet at least twice a year. Buy not only on price but on coverage. Only buy from those who agree to resolve differences in a courtroom where your business is located in justice and for protection. Such agreements may prevent disputes from arising in the first instance.

It's never a bad time to ask to have a meeting, a call or just a checkup of insurance with your insurance agent. You will sleep better for it. The old saying goes, "good insurance is like a working parachute. You have no second chance to get it."

Thought for the day

Just because no one complains does not mean that all parachutes are perfect.
—Benny Hill


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