Connecting with an Insurance Broker
2024-07-17
For all the millennials reading this, there is a Ne-Yo song that goes “you’re the best thing I never knew I needed”. In many cases, that describes an insurance broker. Brokers do so much work behind the scenes to make sure their clients get tailor made options so that when disaster strikes, they aren’t left out in the cold. Its always important to remember: an insurance broker is someone who works for the consumer, doing what is best for them and providing them with options. Insurance brokers give you the power of choice.
"How", you may ask. Well, first you have to understand that a broker provides information and advice on how to best protect yourself and your investments in the event of damage or loss, be it your home, vehicle, business…your life in fact! Brokers are trained to help you navigate the insurance market and help you to understand your needs, manage your risk as things change and make recommendations on what coverage would be appropriate. If you were to do this on your own, you would be really shortchanging yourself because you would probably make limiting choices in such a vast market. Conversely, if you were to go to an agent, they would sell you products from the carrier that they represent. Therefore, they would only provide you with that carrier’s coverage options and available price points—and that’s not always beneficial because often times, the products may be limited in their coverage.
So, to answer the initial question, brokers in essence shop around for you. They roll up their sleeves and do the dirty work of talking with different carriers to ensure you get the best coverage at the best price. A good broker will never lead you astray because they understand your situation and what’s required to protect your precious assets.
The long and short of the story is that you get options and flexibility when you use a broker. Insurance isn’t a ‘one size fits all’ type of product and a broker will have multiple sizes and styles of coverage to choose from. The options can be overwhelming, however a broker can be your trusted source of information to help you make the right choice. Just remember that a broker will always have your best interests in mind when recommending and selling coverage.
Having an insurance broker is very essential in protecting your belongings and loved ones. If you would like to find a broker in your area, you can click here.