An insurance agent shouldn’t just collect your premiums! Agents have several important functions that help keep you safe and fully covered. Ask yourself: is my agent doing these things? If not, it may be time to ask why they aren’t.
Your agent should:
- Help you choose the right insurance: Think of a good insurance agent as your guide. They help you figure out which policies and how much coverage you need. But an insurance agent’s duty goes beyond that: a local agent can help guide you to even more specific policies—like making sure you have flood insurance if you live in a floodplain, or that you have more home owner’s insurance if you live in a high-crime area. They should also periodically check your policies to make sure the coverage is still right for you, or if there’s a better option out there.
- Help with claims: Filing a claim is no fun, but an agent can make the process much easier. You should always be able to call your agent after an incident or accident. Ask if they have emergency hours, so you can get help, even in the middle of the night. A good insurance agent will be there when you need them.
- Be available: Do you find yourself playing endless telephone tag games with your agent? Does he or she always seem too busy to talk to you? Spending time with clients should be one of your agent’s highest priorities. If you can’t seem to connect with your insurance agent, you’re missing out on valuable information.
- Be knowledgeable: It’s impossible for any one person to know everything about insurance, but agents should know quite a lot about their field of expertise—and be able to answer your questions. If you do happen to ask them a stumper, they should be willing to get you an answer in a reasonable period of time.
- Know who you are: You’re unique! No one else has a situation quite like you. If you have a personal, local agent, then your agent should remember your name and who you are, instead of treating you like just another number. Of course, you have to spend some time with your agent to help this process, but you deserve personalized treatment.