In the past, you didn’t have many options for buying home insurance, but those days are well and truly over. If you’re a homeowner, you’ll be getting bombarded every year with “too good to be true” offers in the mail, and every insurance company under the sun will be popping up on your Facebook sidebar as renewal date approaches.
Not only are there more options these days, but there are more ways to buy insurance, from a plethora of local agents, to companies offering direct quotes online in a matter of minutes.
It’s true, there are companies out there who will give you a real life quote for your home with just a few clicks of your mouse. So is this the way of the future? Could it really be the best course of action to just go online and buy the cheapest policy you can find, direct from the insurer?
It’s tempting, but before proceeding, ask yourself the following question: am I an insurance expert? If the answer is yes, go ahead and click away to see what is on offer.
However, if you don’t know your water backup endorsement from your water damage coverage, or your personal liability from your personal injury, then you need to get an independent insurance agent in your corner. Independent agents such as Memorial Insurance have access to many different markets and can find you a homeowners’ insurance product that suits your home, location, and budget.
Often, you will save money by relying on an agent’s expertise, compared to going directly to an online insurer and running the risk of buying coverage you don’t need, or not buying coverage you do.
When you’re in the market for a toaster, by all means go online and get it from the cheapest outlet you can find. After all, a toaster is the same wherever you buy it. The same can definitely NOT be said about insurance. This is why independent agents like Memorial Insurance are here to stay, fighting your corner and helping you navigate the insurance minefield to find the most suitable policy for your needs.
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