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 wanted to take the time to say thank you. Thank you for being more than an insurance agent. Over the past 35 years I have dealt with numerous insurance companies for business and personal needs and the respective agents have basically done what was asked or needed. When problems arose there was some intervention but ultimately it was left to me with the insurance companies to iron out the issues. You are different. A few months ago an incident and a detail with my coverage had painted me into a corner. I cannot think of any other agent I have dealt with in the past that would have stepped up to the situation and worked with me and the insurance company the way you did. Thank you, again. If I can provide a personal referral at any time, please don't hesitate to call. I look forward to many years of informed and professional coverage with you and your company. — John R. Proto