Whether you’re getting ready to purchase your first home or you’ve recently upgraded to your forever home, finding the right insurance policy is an essential step in the closing process. You could go with the recommendation of your lender or real estate agent to find an insurance provider. Or maybe a family member suggests one of the insurance companies you see advertised on TV. But what is the best home insurance company for your needs? If you’re looking for more choices and an enjoyable customer service experience, choosing a local independent agency is likely the best way to go. Keep reading to learn more about the benefits of working with an independent home insurance agent.
Why Should I Choose an Independent Insurance Agent?
Independent insurance agencies are committed to providing their customers with quality service, more choices, and a tailored experience that you can’t find elsewhere. Unlike captive agents, they represent a variety of insurance providers, making it easy to match you with the best policy at an affordable price. Simply call, make an appointment in the office, or use our online quoting system to let us know what type of insurance you’re shopping for and your budget. Then we’ll take that information and create a policy that is tailored to meet your needs. When you work with an independent agent, you essentially have access to a one-stop-shop for personal and commercial insurance services.
Advice You Can Rely On
Because independent insurance agencies represent a wide variety of companies, they aren’t contracted to promote one provider’s coverage options over another. Instead, they place their focus on offering sound advice to help you make smart decisions about your insurance coverage and protecting your most valuable assets, like a new home. And while all insurance providers are required to include certain coverages in their home insurance policies, there are optional coverages to consider when protecting your home. Independent agents offer professional advice and are always available to explain what each coverage option means for your home and your wallet.
Some of the other main benefits of choosing an independent insurance agency include:
- Independent agents are happy to deal with your insurance company directly. Whether you need help with a claim or you’re experiencing another issue, they are always happy to help.
- There’s no guessing when it comes to what you’re really paying for. Want a breakdown of your policy or an explanation regarding a specific coverage? Don’t hesitate to reach out.
- They’re active in the local community. Operating in both Cloquet and Duluth, we know more about life in this part of Minnesota better than any other insurance agency and can recommend the right policy to meet your needs.
- Independent agencies are on your side and are always on the lookout for new ways you can save. Whether that means bundling policies under a single provider or pairing you with an insurance company that rewards you for safe driving, they are value-hunters who always have your budget in mind.
As more Minnesota residents learn about the many great benefits of choosing an independent insurance agency to meet their personal and commercial insurance needs, more providers are taking notice as well. In fact, it’s common for independent agents to represent anywhere from 3 to 8 different providers on average. With so many choices, you’re bound to find the most comprehensive home insurance policy when you shop with us.