Local insurance carriers are sometimes limited by service locations, but a multi-state insurance agency can assist more clients in a wide variety of cities or states. Because of their larger customer base, these agencies often have access to a broad range of service providers and at more competitive rates. When you are looking for a new agent, keep several things in mind concerning the services they provide.
With a larger company handling your insurance needs, you need to ask about their customer service policies and accessibility. If they offer both personal and commercial policies, are the same agents responsible for each account type? Will your agent be available to answer your questions? You may also need to consider their underwriting process and if it is done in-house. This would also affect how tailored your policy may be.
Types of Coverage
When you use a large agency that spans several states, they generally rely on nationwide or regional providers for comprehensive policy offers. With these highly respected and experienced companies, you should be able to find the following types of coverage:
- Homeowners insurance
- Automobile coverage
- Flood protection
- Commercial liability
- General liability
- Employee benefits
- Umbrella coverage
Whether you are looking for commercial or personal protection and risk management, finding a state insurance agency with a broad servicing location may be able to provide you with the most comprehensive and affordable coverage.