If you live in West Hartford, Connecticut and you love your insurance carrier but you don’t like your agent, not to worry. You can safely switch agents without having to drop your company, too.
Why should you change agents WITHOUT changing the insurance company you use?
You may like the coverage you get, because your premiums aren’t overly high, you get a lot of coverage for the premium price, the deductible is reasonable, and so forth. If that’s true, you probably don’t want to switch insurance companies – and you don’t have to. You can stay with the same one.
Why should you switch agents?
- He she is simply a wrong fit
Sometimes, you may have a personality clash with the agent you’re first assigned to. You just need another agent that is a better fit for you.
- He or she discourages you from filing claims for significant losses
The purpose of insurance is to protect you in the event of loss; it’s true that it’s not always wise to file claims for very small losses, since doing so could drive up your premiums unnecessariliy. However, If your insurance agent is discouraging you from filing a claim for a significant loss, such as flooding in the kitchen that damaged flooring, appliances, furniture, etc., and they’ll need replacement (in addition to mold reparation if necessary), you need to find another agent.
He or she is simply not knowledgeable
If your agent can’t sit down with you and discuss your needs and current situation and come up with the perfect policy for you – without unnecessary coverage that you don’t need, or missing coverage that you do need – you should find another agent. Call your insurance company, give them your policy number, and ask to be assigned to another agent. That agent will carefully look over your policy and recommend changes as needed.