Insurance Agents help you get what you need 9 Õ V> LÕÞ ÃÕÀ> Vi > Þ ` vviÀi Ì Ü>ÞÃ] but how do you know what you need and how much to pay? An experienced expert with local knowledge will help you make Ì i À } Ì V Vià v À Þ ÕÀ ëiV wV ii`ð “An insurance agent should help you evaluate your needs and options“ said V >i V v Ì i V >i V ÃÕÀance Agency in Boerne. This is especially important when it comes to your home. “Every community is different. Having à i i Ü Üà >L ÕÌ Ì i V> wÀi `i«>ÀÌ i Ì] iÜ ÃÕL` Û Ã Ã Ü Ì wÀi hydrants (or not) and local protection class codes helps to make sure the rate for your home is correct,” Glick said. 9 Õ V> V Ãi > `i«i `i Ì >}i Ì who may sell policies from different companies or a direct agent who sells insurance for one company. 9 ÕÀ >}i Ì Ã Õ ` iÛ> Õ>Ìi Þ ÕÀ ii`à to make sure you are getting the proper coverage. “When it comes to homeowners insurance there is no standard policy anymore,” said Glick. “Knowing what you have and how to properly cover it is important. I personally inspect every property to make sure it meets the underwriting guidelines.” “As part of the initial process of a policy review, I try to get to know my customers by w ` } Ì i À ÌiÀiÃÌÃ] } ÌiÀ } > à > ` retirement plans,” Glick said. “This information helps me determine the liability limits needed to protect their assets. Then we go over the features of their home to determine the replacement value so that in a major loss there is enough coverage to replace it.” “Having someone explain the coverages helps the consumer make smart choices. It could save them money by not buying something they don’t need, or buying coverage that won’t do what they were hoping it would do.” Source: the National Association of Insurance Commissioners (NAIC) 18 Spring 2021 Relocation & Newcomers’ Guide
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