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Who does what regarding my insurance?



Policies and procedures

Who does what regarding my insurance?

It can be challenging to understand what responsibility for your insurance coverage belongs to Encharter and when the insurance company steps in. For starters, Encharter is an independent insurance agency. We offer products from over 50 insurance companies. The more companies we represent, the more likely you̵

7;ll get the best rates and coverage options. Each company takes into account two things in pricing: loss experience (claims history) and combining your car insurance with your home or rental policy. Our service team often asks many questions to find all applicable discounts, but the biggest discount is usually bundling home/renters and auto insurance with one insurance company. Our agents are deeply knowledgeable about each company’s offerings, and the breadth of insurance companies we offer sets us apart from most other independent agencies. If you have any questions, contact our office at 413.475.7283 or fill out our quote form online today!

Encharter lists your coverage with multiple insurance companies, although the insurance company decides whether they are willing to provide a quote and what price they will charge. They also reserve the right to inspect the property, and sometimes find unacceptable conditions. When this happens, the insurance company will require you to make updates to your property, or they will cancel the policy.

Each insurance company determines its pricing. We review policies at renewal time and if we see a premium increase of over 7% we will trade it to other insurers. There are times when we can offer a lower quote with another company and save you money, but there are many times that the pricing you have with the current company ends up being the best choice. We are happy to offer alternatives, but the decision to change insurance companies rests with you.

Servicing your insurance is often a combination of the insurance company and Encharter. Both Encharter and your insurer easily handle changes such as adding a new driver or vehicle and answering questions. We prioritize getting you to a service person as quickly as possible.

The insurance company is the best point of contact when you have a claim. Your insurance contract (policy) requires that all steps in the claims process be handled by the insurance company. Although we can take your initial information about a claim, we cannot influence how the insurance company assesses it. This is often confusing, but the insurance company contractually reserves the right to handle all aspects of a claim.

Encharter’s goal is to provide you with flawless service, and based on the survey responses, it seems we’re doing a good job of that. But if you ever feel that we have fallen short, please feel free to contact me directly. You can also reach us at (413) 475-7283 or online at https://www.encharter.com/ .

Lisa Johnson, ljohnson@encharter.com

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