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Home Insurance, also known as Domestic package, provides protection to house plus possessions (building, electronics, furniture, clothes, mobile phones, etc.) if stolen or damaged. We also provide personal accident cover for your house assistant, protecting you from any accidental liability. Let’s cover what you love and what you have worked hard to build and continuously ensure your house always remains a home for you and your family.

In the recent past, the only way to purchase car insurance was through an agent. However, purchasing car insurance online is becoming more popular, which raises the question of whether you even need an insurance agent.

Only you can decide whether the benefit of having an insurance agent you can directly call, email, or visit with in-person at their office is worth more than purchasing a policy online. Purchasing insurance is important to your financial well-being and understanding the coverage at time of purchase and as your needs change is a crucial part of ensuring you have limited your risk exposure.

Benefits of Having an Agent

Personalized Service

Personalized service is something a lot of people still look for in the insurance industry.1 With so many automated services in force, it’s a breath of fresh air to see a smiling face or get a person on the phone instead of trying to finagle your way through voice prompts. Lots of questions, maintenance, and claims surround car insurance. Having an agent is nice because you can always speak to the same person, which builds a strong relationship as compared to a different customer representative each time you call.

Having a local agent who knows your area is also a benefit. An agent can relate to you and where you live. If you have a claim, an insurance agent will know the good body shops and glass companies to recommend in your area.

Potential Savings

It is possible to get a lower rate when purchasing car insurance direct. Since direct carriers do not pay an agent commission, theoretically the savings are passed on to the customer. One insurance carrier is never single-handedly the best or cheapest for everyone. You will still have to do your research on which carrier is the cheapest for your exact situation.

Insurance agents are no longer mandatory in today’s technology-driven world. Whether you need an agent or not, is driven more by a personal preference for how you like to do business. If you are comfortable with insurance terminology and fully understand your policy, forgoing an agent is an option. The smartest option is to shop around for the best coverage at the lowest price, friendly and responsive service, and a carrier that suits your personal preferences.