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Benefits of Using an Independent Insurance Agent to low Home Insurance costs

Benefits of Using an Independent Insurance Agent to low Home Insurance costs

Getting the coverage you need to help protect your home at a fair rate can be challenging. Home insurance costs vary greatly, depending on the insurer, details about the policy, your home’s location and value.

The agents at Jim Kelly Insurance in Libertyville, Illinois, understand how important it is to keep insurance costs down without sacrificing coverage. Contact us today to learn more about how you can lower your home insurance costs with help from a local independent insurance agent.

Why Choose an Independent Insurance Agent? 
An independent insurance agent can help you shop for insurance among several trusted insurers. Unlike a captive agent who works for a single insurance company, an independent insurance agent has relationships with several insurance companies. They can help you get multiple quotes and compare policy attributes and rates.

Independent agents work for their clients, and they don’t charge extra for the service. When you work with an independent insurance agent, you have an expert on your side. Since independent agents aren’t tied to a single insurance company, they are free to help you explore your options among multiple companies.

If you need to make an insurance claim, your independent agent will help walk you through the process. When facing property damage or a disaster, the last thing you want to do is deal with a pile of paperwork. Your agent can help you work with the insurance company to get your home repaired or rebuilt after a covered event.

Home Insurance Costs Are on the Rise 
Several factors affect home insurance premiums, and you aren’t alone if you’ve noticed your premiums are steadily increasing. Between 2017 and 2020, home insurance rates across the country went up an average of 11.4%. We’ve since experienced a global pandemic and are suffering the after-effects, including supply chain disruptions, worker shortages and inflation—all of which affect home insurance rates.

How Can an Independent Insurance Agent Help Lower Home Insurance Costs? 
Your independent agent’s goal is to help you get the coverage you need at a fair rate. If you are overpaying for insurance, they can get quotes from reputable insurance companies to help you save money.

When you work with an independent insurance agent, you only have to provide your information one time to get multiple quotes. The agent handles all of the paperwork on your behalf.

Your agent may recommend that you take advantage of potential discounts by bundling your home and auto insurance policies. They may be able to help you save money by lowering your deductible or adjusting your coverage limits, as well.

Contact Us Today 
At Jim Kelly Insurance, we are committed to helping our clients combat rising home insurance costs by shopping around for the best possible combination of coverage and price. Contact us today to learn more about how to potentially reduce the cost of your home insurance and get a quote.