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've been working with Ron Altman and his staff for over eight years. They have been enormously helpful getting us the best price with one of the best carriers (Chubb) for two different houses. Ron also negotiated moving our auto insurance to them for a considerable savings. We've had to make some claims on both our house and auto plans and are glad we had such a blue chip carrier and A. Zeeman to help us through the process. — Katie Moore