One of the goals I have as an independent insurance agent is to offer better coverage than you now have and do it at a better rate.
What do I mean by better coverage? Depending on your needs, it may be higher limits of coverage, or it may be the policy we offer has a broader and more comprehensive range of coverage’s.
For instance higher limits of coverage on an auto insurance policy may be that your current limits for Bodily Injury liability are at $100,000 per person – $300,000 per occurrence. In most cases, I am able to offer a substantially higher limit for a small increase. This increased limit could be $250,000 each person – $500,000 per occurrence, or as high as $1,000,000. When it comes to a serious claim, this change could make a huge difference in your life.
An example of broader coverage would be a homeowners policy including identity theft coverage, or special form coverage (all risk of physical damage) on your personal property instead of “named perils” coverage. We can also include increased building limits coverage at 25, 50, or 100 percent. Meaning if your dwelling limit was $200,000 and it took more than that to replace it, that $200,000 limit would be increased by the percent you have ($200,000 X 125 percent), ect..
Another type of better coverage could be disappearing deductibles. One of the companies I write motorcycle insurance through includes this feature (if you have no comprehensive or collision loss, the deductible is reduced by 25 percent per year).
This list of better coverage’s could go on and on, but you get the idea. Better coverage at better prices.
If you would like to see what we can do for you, please feel free to call 507-226-8121, or email me at firstname.lastname@example.org.
DeKok Insurance Group, Inc.