Insurance is NOT a commodity. There are variations in coverage forms that can be significant. Cost is an important factor but should not be the deciding factor. If a premium savings of $500 is realized but then a claim is not covered which costs thousands or hundreds of thousands of dollars that is not a favorable trade off. We assist our clients with a coverage and risk analysis, discuss items that possibly could be self-insured and ways to reduce exposure to loss.
Our office provides protection for Homes, Condos, Co-ops (with a concentration in High Value residences), Auto, Umbrella Liability, Valuable Articles such as Jewelry, Watches, Furs, Fine Arts, Wine and other Collections, Flood, Earthquake, Yachts and Boats, Workers Compensation and other coverage for domestic employees et al.
Our approach is to purchase broader protection whenever possible and offset the additional cost for the better coverage thru higher deductibles and other means. If you own a $4,000,000 home most likely can afford to repair damage that costs $4500, what you want to make sure is if it's a much larger claim that you are protected by a favorable policy written with a top insurance company.
I cannot thank you and Lynn Lyons enough. As you know, because I inherited a property in Virginia I found myself desperate to obtain homeowners and liability insurance on very short (24 hours) notice not only for myself but also for my sister in South Carolina. Despite the fact that you do not do business in Virginia, you went way out of your way with no money in it for you to get the insurance literally within hours. Such service is seldom seen in this day and age, particular to clients, like myself, who I imagine are "small" in terms of your overall client list. It is the same quality service that you have demonstrated for years to me and my family, and it is, apparently your rule to deliver it without exception. Lots of people sell insurance. Few deliver great service, and none that I know of deliver the type of service you do. You are a comfort, and you have every right to be proud of yourself, your agency and your employees. Thank you again. — Banks Brown