Home Insurance Agent
When looking for an insurance agent, the best place to start with is people you know. Ask friends and family for referrals to good local home insurance agents. The search for a good insurance agent is similar to searching for a good financial advisor or doctor, however make sure you understand what a home insurance agent really is. Home insurance is a more technical product that can get pretty complex based on your lifestyle, make sure you find a professional insurance advisor to work with so you don’t risk everything, just to save a few bucks.
A few considerations when searching for a home insurance agent
- How many companies do they have access to provide offers from? If they can only offer one company, this means they are captive to that one auto insurance company.
- If they have one insurance company name on their business card (Allstate, American Family, Country, Farmers, StateFarm, etc. they are captive and are required to sell you that companies product even if it is not the best coverage for you.
- This also means they are just a sales person, not an advisor for you. Many times this is where people think they are saving money on auto insurance, but end up just buying less coverage.
- Are they required to provide a specific car insurance companies offer first like above? Some home insurance companies require their agents to offer their product first even if it is not right for you. Even a handful of independent agents are free to issue business on the commercial side, but they have committed to being captive on the personal auto and home side with one company
- Is the agent trying to get to know you so they can match your needs with the coverages you are searching for
- Be aware of agents who simply want to give you the cheapest car insurance price.
- If the new car insurance is less expensive, ask them what is missing! In our experience, most people end up just buying less because something was either missing that you already had or the insurance agent cut coverage
- Ask what types of additional education they have completed to assist you in the process of obtaining better insurance. Advanced Designations such as CIC – Certified Insurance Counselor or CPRM – Certified Personal Risk Manager shows the professional has dedicated themselves to advanced higher level learning and studying of the insurance industry. Other designations like PLCS – Personal Lines Coverage Specialist and CISR – Certified Insurance Service Representatives show they have committed to the learning process as well.
- If your agent doesn’t have any of the above, it would be to your benefit to ask them what they have done to keep up with the ever changing needs of our world and how insurance changes with it.
Captive Insurance Companies
- Allstate Insurance
- American Family
- American National
- Country Insurance
- Farmers Insurance
- Shelter Insurance
- State Farm Insurance
Captive Insurance Agents
- Local Insurance Agents that work for the above companies are restricted by the company they work for. While they may act like they are providing choices, they can only offer you the one product from the insurance company they work for. While the car insurance seems like it may fit your needs, many times you can purchase a better product from a different company at the same or less money.
Home Insurance Broker
- An home insurance broker is someone who does not have access to any one company but they can search the market for you. With this type of insurance professional, they will not have any authority with the home insurance company you choose, so the service to you will be limited.
Independent insurance agents
- The perfect balance of the two above, Independent Insurance Agents have authority with not one, but many different insurance companies. They are not forced to sell you something that doesn’t work for you. These guys and gals work hard to match your needs with affordable home insurance that fits your budget.
Home Insurance Companies
- AIG Insurance
- Chubb Insurance
- Dairyland Insurance
- Encompass Insurance
- Foremost Insurance (Previously Bristol West Insurance)
- Hartford Insurance
- Kemper Insurance
- Lexington Insurance
- MetLife Insurance
- Nationwide Insurance
- Nationwide Private Client Insurance
- Safeco Insurance
- State Auto Insurance
- Travelers Insurance
Why Home Insurance
At Beacon Point Insurance, we know how hard you’ve worked to turn your house into a home. Since your home is one of the most important financial investments of your lifetime, you’ll need proper coverage in order to keep your investment protected and provide your family with the guarantee that they’ll always be safe and sound.
Beacon Point Insurance is your trusted solution for homeowners insurance. We offer coverage options that are both flexible and affordable, and will work with you on an individual basis to find a policy that best suits your needs. Our team is dedicated to providing the assurance that your family and your possessions are secure.
Our Home Insurance coverage options include:
- Property Insurance
- Homeowners Liability
- Renters Insurance
- Condo Insurance
- Mobile Home Insurance
- Scheduled Property Insurance
- Landlords Insurance
- In-Home Business Insurance
Accidents can happen at any time. Having the right insurance can protect your home and everything in it, as well as keep your property covered from damages and accidents.
While standard Home Insurance can cover anything from fire and weather damage to injuries and theft, not all damages and accidents may be insured under a standard policy. That’s why it’s important to talk to an insurance specialist at Beacon Point Insurance about specific coverage options that are applicable to your individual needs.
Don’t go another day without proper homeowners insurance. Keep your memories protected with the right policy from Beacon Point Insurance.
Beacon Point Insurance provides Home Insurance for residents near Independence, Kansas City, Blue Springs, Lee’s Summit, Liberty, and Raytown.