A Houston insurance agency is an independent business that offers a broad range of insurance products and services from a variety of insurance providers, while a direct carrier sells its own insurance products direct to you, the consumer. Which option will best meet your Houston insurance needs?
Comparison Shopping Benefits the Consumer
While direct carriers can provide high-quality insurance, their offerings are necessarily limited to their own products and policies. They will attempt to fit your insurance needs into their product line, which may or may not be the best match for you. They may not offer all the insurance products you seek, which may necessitate purchasing from more than one direct carrier to obtain all of the types of policies you require. When dealing with a direct carrier, the agent with whom you work is an employee of the insurance provider, and you must represent yourself to them when you have questions or concerns.
An independent Houston insurance agency, on the other hand, has access to insurance products from many companies, and can comparison shop on your behalf. The ability to provide you with more options helps you better understand which products will be most suitable for your needs. This might include finding a policy with a high deductible to keep your premiums low or introducing you to policies with specialized endorsements that address coverages you need or exposures you face. Depending on what coverages you require, independent agents may be able to offer you a multi-policy discount across several lines. In essence, an independent agent works for you, the consumer, and will represent your interests and concerns to insurance carriers on your behalf.
One-Stop Shopping Avoids Gaps in Coverage
Furthermore, most direct insurance companies are often experts in some particular facets of insurance coverage, whether it's personal lines of coverage or business insurance. However, an independent agent represents many different types of products and can take a more holistic approach. They examine all aspects of your life and recommend coverage that will address all of your insurance needs. Understanding your personal and business assets not only ensures that your property is adequately insured, but it also enables an independent Houston insurance agency to recommend the life and health insurance products best suited to you. Further, they can help you explore your personal and business liability exposure, which allows you to address any gaps in your overall liability coverage.
While a traditional direct insurer might cover your personal automobile, a comprehensive agency can cover your auto while also helping you obtain coverage for your motorcycle, your RV, your boat, or the classic car you only drive a few times a year. They can also make sure you're covered if you use your vehicle in conjunction with your business.
It's also notable that independent agents don't just offer basic homeowners insurance; they can also cover your condo, your apartment, or your high end home. They can help you obtain specialized flood coverage, which is excluded from standard homeowners insurance policies. They often offer policies on rental and commercial properties, and they can ensure both business and personal property is insured, which is crucial if you work from home.
Having all your coverage through one agency gives you piece of mind that all aspects of your life are covered, whatever may come your way. It also means that as your life circumstances change, as they inevitably will, your independent agent is ideally positioned to help you continually reassess your insurance needs.
Make Sure You're Covered By an Independent Houston Insurance Agency
If you are considering changing carriers, a thorough needs assessment is a great place to begin to make sure you have all the right coverage. Consider what coverage you currently have and what coverage you might need moving into the future. Not sure where to begin? Click here for information to keep in mind when shopping for auto insurance. Click here for a checklist of considerations when shopping for homeowners insurance. And, finally, click here for a list of questions to ask yourself when determining how much life insurance you need.
Contact us so that we can help you explore your coverage options, and click here to learn more about how our Houston-based independent agency provides the kind of personalized service that has earned us a 4.9 out of 5 rating on Google reviews. We look forward to helping you understand how our products and services can protect all aspects of your life!