Insurance Tips

Insurance Tips > Getting the Best Value

We admit it.  Our company is not trying to be the low-cost provider of insurance.  Any company can do that – just cut out some coverage items or add a few conditions that make it less likely that a claim is covered.  The policy may still look the same, but it’s like putting fewer pretzels in a bag and filling the rest with air.

What we do want is to provide you the best insurance value.  So what’s the difference?  It starts with offering options that focus on your need, not meeting a price point.

  • Ask yourself, if your house burns or your boat is stolen, was it worth saving a few bucks to get a policy that pays the depreciated value instead of the replacement cost?
  • You don’t want to find out that the default $1,000 coverage for motorcycle accessories is not enough, especially when you could have had $3,000 at no extra cost.
  • The value of flatbed towing becomes clear when its your ’57 Chevy bumping behind the rusty tow truck the auto club sent you.

Value is also about what happens once you have a claim.  That is when you really know what the money you’ve paid in premium is worth.

  • You want someone to answer the phone and return your calls.  We get the claims process started within 24 hours of the initial report.
  • You want a company that can close your claim quickly.  Think back to the latest windstorm in your neighborhood.  How long did your neighbor wait for an adjuster while blue tarps covered his roof?
  • You want to be supported by a company that knows how to estimate repairs.  You don't want an adjuster who only sees a few mobile home or RV claims a year to evaluate your loss.

Our focus on value means that we will be around for the long term.  A company that is only interested in selling rock-bottom coverage won’t keep its customers and won’t remain financially stable.

It also means that we want long-term relationships with our customers.  We know that it is easy to switch to another insurance company.  To keep you as a customer, we do all we can to provide you with the best insurance value.

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