January 06th, 2013 |
12:00 am |
Posted in Uncategorized
While it is true that most insurance companies offer the same sort of coverage to their customers as every other company, the difference is sometimes felt in the way it is packaged or presented to the homeowner. To put this another way, some companies may have certain options lurking at some point in their options, while other companies have these same extras written right into their basic coverage proposal.
The difference in philosophy is probably best illustrated by imagining a home on the beach in Florida versus a home on the range in South Dakota. Each area is likely to have a basic package that generally fits the needs of its most likely customers, but those two packages would be vastly different due to their geographic disparities. Even in the same state, the needs of rural versus urban homeowners can be very different.
When it comes time to write a blanket coverage proposal, it therefore behooves the homeowner to make sure that his agent is familiar with the sorts of extra coverage that might be required in specialized areas. An urban agent might not know much about barn and outbuilding insurance riders, but he can look it up if you ask him about it. Conversely, a rural-based agent knows all the specialized coverage needed for high acreage properties but might not be a real wizard at writing policies for apartment buildings.
Ship around for an agent who is not just tolerably familiar but is instead a real expert in the specific type of insurance you will need for your property. Every company has the specialized coverage you need, but someone has to tell it to put that additional protection into your basic blanket homeowner’s package. When in doubt, ask several of your neighbors for an agent and company recommendation. You might be surprised at what you will learn.
This article is contributed by writers at coloradohomeinsurancequotes.com.