3 Reasons To Choose an Independent Agent For Your Property Insurance

home insurance

If you could get a better value on your property insurance, wouldn’t you?

All insurance plans aren’t created equally. Property insurance especially isn’t a one-size-fits-all investment. You deserve peace of mind when finding the right policy to protect your property and your family’s financial future. That’s why when you’re shopping for insurance, it’s crucial to find an agent who can help you find the right balance between service and coverage at the best value for you, not the insurance company.

1. More Choices Equals The Best Deal Possible

When it comes to investing in property insurance, there are primarily two kinds of agents who can help you find the right coverage.

  • Independent Agents do business with multiple insurance carriers so they have a wider range of policies for you to determine what works best work for you. And because they’re independent they have more freedom when it comes to providing you with the best service possible.
  • Captive Agents (i.e. Allstate, Farm Bureau, State Farm agents) only do business with a single insurance carrier so they provide you with pricing options from the insurance company they work for.

For example, a captive agent is only able to give you pricing options for their company’s policies. Even if the quote that the captive agent gives seems like a good value, in order to be sure you’d still have to research other insurance companies to see how the value really stacks up against other coverage. Independent agents, on the other hand, can help you navigate more options from multiple providers so you can compare prices and policies to find the property insurance that delivers the best overall value.

Big insurance agencies don’t supply you with better coverage just because they’re well known. Every insurer is held to the same quality standard by the State Department of Insurance. For example, A.M. Best and Demotech ratings are two of the best objective metrics when searching for a property insurance policy. Acadian Managers represents carriers highly rated by A.M. Best and Demotech. At Acadian Managers, we provide straightforward and dependable property insurance to homeowners and rental property owners.

2. Independent Agents Work For You, Not The Carrier

If you ever wanted to avoid listening to terrible hold music for hours on end, now’s your chance. Independent agents bring convenience to your insurance search. They advocate on your behalf with the insurance company when necessary, so you don’t have to spend hours on the phone waiting on a representative anymore. Your agent can also assist you in filing a claim and answer any questions you have because independent agents are your dedicated insurance guides.

Independent agents are licensed experts and personal advisers who work with you to ensure that you and your family are covered. Personalized and committed one-on-one service sets the consultation from independent agents apart. Surely captive agents want to help you out as much as they can, but their ability to assist policyholders will always be limited to the parameters set by their insurance company.

Another benefit of working with an independent agent is their ability to protect you from rate-hikes. If the insurance company raises the cost of your policy, your independent property insurance agent can re-shop your policy with other companies to find a better value. Rate-hikes happen, but they don’t have to cost you more than they should. Independent agents can anticipate rising insurance costs before they affect you, so you can change policies before the price increase without losing your coverage. Independent agents can find property insurance options with transparent rates using expert comparison across multiple companies.

3. One-Stop Shop For All Coverage Needs

Since Independent agents have the ability to package multiple coverages together from separate insurance providers, you’re able to receive quotes for a variety of offerings. In addition to home insurance, many times independent agents also offer auto, renter’s, and coverage for your business so you can meet all of your necessary insurance requirements. This way you’re able to get the ultimate value across all of your coverages. On the other hand, captive agents are incentivized by their insurance company to bundle limited offerings that likely don’t fit your perfect policy.

The local agents at Acadian Managers are your neighbors. We’re members of your community who want the best for you and your family. As your neighborhood independent agent, we’re focused on ensuring that you have sufficient coverage to fully protect your property and your loved ones.

Don’t let a multi-million dollar advertising campaign for a big provider hold you and your family back from dependable coverage at the best price. Acadian Managers’ independent agents are here to help make your life easier by finding the insurance policy that’s right for you. Contact one of our trusted brokers nearest you to experience the benefits of an independent agent for yourself.