Loving What We Do!

Home, Auto, Business & More...

We are a full service insurance agency meaning we offer it all.  We like to offer a service to our clients and to us they are family a family we protect from the worst events in life. Having the right protection takes some of the stress away and we love that our products can do that for our families.  Insurance makes it back to the way it was before a loss we think it is the single most important product people can buy. 

Today we have cable with all the premium channels but we don't think about our actual protection that way.  Premium coverage, premium service, and in the event you need to use the coverage you will always know you have exactly what you need.  

Shop for an agent as well do they know what they are doing?  Have you chosen someone with a long rich history in the insurance industry?  Ask them....what is your background in insurance.  That way you know you are working with an agent who can properly review your insurance needs.  And don't get me started on online and phone quotes. 

With home and auto insurance what should your main focus be when shopping?  The answer is always coverage!
If you want to know the basics here are some tips for you...
1.  The building value / or cost of your home should likely be what you currently carry or an insurer can run a rebuild estimate of your home to get accurate up to date numbers.  The insurance value is not "market" or sales value of your home it is the physical current cost to rebuild your home from the ground up.
2.   Your deductible choice will always affect the end premium so if you want lower premium you can bet on a higher deductible, if you want a lower deductible you will pay a higher premium.
3.  Your liability limit needs to protect your assets so make sure that limit exceeds your assets the same applies with the auto.  In particular with the auto make sure your limits appropriately high enough to not only protect your assets but ensure no out of pocket expense should you end up in an accident.
4.  Medical payments this coverage is for medical treatment either after an auto accident, or in relation to the homeowners policy when someone other than an insured suffers an accident on your property.  Take a quick look at your policy if your medical payments coverage is $1,000 or even $5,000 ask yourself this....If someone slips on your property and breaks their arm is $5,000 enough to cover emergency room expenses for a broken arm.  These days maybe not so that means anything over that amount you are liable for. 
5.  Endorsements - these are the additional coverage's such as jewelry, sewer and drain or sump failure, or earthquake you see on your policy.  These are in addition to the base home policy you have chosen and you are charged for these additional coverage's.  If you are quoting your insurance package make sure the new insurer knows you have these coverage's.

When shopping for insurance of course pricing is normally always your main concern, but having a professional insurance agent review your coverage's is just as important as the price.  What if?  What if you are not covered properly?  That means it's on you the tab is on you!  Having an experienced agent review your policy is extremely important and if you have not done that in a few years now is the time. 

Remember that online quoting normally leads you to low end coverage with no one really reviewing your insurance needs and may leave you unprotected which is not where you want to be when a loss occurs.

We'd love the opportunity to earn your business.  You can find out more about our agency at www.brooksoninsurance.com, find us on Facebook search Brookson Insurance, or follow us on Twitter @Brooksondays. 

Happy Insurance Shopping!
email me any questions Heather@brooksoninsurance.com

Heather Swank
Owner Brookson Insurance
317-534-5202
You matter, we care, and you are better protected here!