INSURANCE TIPS

For most Consumers, the short answer is YES!  You don’t need to know a lot about insurance.  That’s the Insurance Agents job.  There are a few things you should keep in mind. 

An insurance policy is a contract (a legally binding agreement). Insurance companies are not in business to pay claims.  They must pay claims to be in business.  To an insurance company, a claim is an expense, and, like all well-run businesses, controlling and minimizing expenses is a priority. 

The true cost of insurance can only be determined after a loss. In any profession, there are different levels of skill.  Determining competency is difficult before any work is done.  The skill and competency of an Insurance Agent can only be evaluated after a loss.  Here are a few steps you should consider. 

1) Is the individual you are talking to an Insurance Agent licensed in your state? 

2) Ask for their license number. 

3) Does the Insurance Agent have Professional Liability Insurance? 

4) Ask for a Certificate of Insurance. 

5) Is the Insurance Agent working for you? 

As each answer is given, make a quick note next to the question.  Also, date and provide a time for the conversation. 

If you are satisfied with the above, you can start by clearly stating you are seeking advice. 

From here, the Professional Insurance Agent will take over and earn your trust and confidence.

ABOUT YOU: 

• Date of Birth 

• Sex 

•Marital Status 

• Contact Phone Number 

• Email address 

WHERE YOU LIVE: 

• Home Address (City, State, Zip Code) 

• Who lives with you

• For all who reside in your household: 

• Name, 

• Date-of-Birth 

• Relationship 

WHAT PETS YOU WANT INSURED:

• Sex

• Age

• Type

• Breed

COVERAGES: We recommend you start with the coverages you already have.  You’ll find this information on your Declarations (DEC) page. You are looking for a price comparison with the coverages you currently have.  If you’re talked into changing coverages at this stage of shopping, you won’t have a comparison.  A COMPARISON is what you want! 

Is the coverage you currently have the right coverage?  Remember, ‘The true cost of insurance can only be determined after a loss.’  You need to talk with an Independent Agent.  An Independent Agents can offer a variety of insurance company policies.  Some Agents will tell you they are independent.  Well, they aren’t necessarily lying because they can be independent business owners.  Like a franchise owner.  They are independent businesses, but by agreement, they can only sell one product. 

Carrying pet insurance is one of the most fundamental aspects of responsible pet ownership. If you’re under insured, you could incur significant out-of-pocket costs for any pet claims — but if you’re over insured, you’ll needlessly spend hundreds or even thousands of unnecessary dollars each year on insurance premiums. Fortunately, your insurance agent will help you determine the right balance, which hinges on several factors:


1. Your pets age, if your pet is young and healthy then you can most likely get away with minimal coverage. An accident-only policy won't hurt your pockets but will offer protection for emergencies. This will only cover your pets for instances like a broken bone.

2. Your pets type, cats are generally cheaper than dogs because they tend to live longer and have usually fewer health issues. Dogs generally don’t live as long and have more problems during their life.

3. Your pets breed, some pet breeds have less problems than others. Example: certain dog breeds have known healh issues. German Shepherds, English bulldogs and Frenchies are all dogs with known health problems. Cats with known problems include Persians, Ragdolls, Siamese and Bengals. Knowing from adoption the risk your dog or cat breed have will help you set up a plan to alleviate the costs in the future.

There’s no one-size-fits-all solution to selecting any insurance. Make sure you select a licensed agent who has time to learn your circumstance and your needs so they can come up with the best insurance policy for you.

Many assume the policy they have includes all the discounts they are entitled to which is not true. Let us shop for you and we will ensure to look for your savings. 

On average, there are more than 1,600 insurance companies doing business in each state, which makes it difficult and time-consuming to select the right provider for your needs – until now.

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