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I had numerous conversations with several business
insurance
agents over a month's time. I also had several conversations confirming the policy inclusion/exclusions and asked many questions. My bizinsure agent was professional, knowledgeable and most important—detail oriented.
Even after having an initial
conversation a month earlier he knew and *remembered*
all my personal/professional insurance needs. When i asked for additional information on the third call he was able to provide me with details very quickly. He was also very patient. That is a big plus in my opinion. It illustrated a high level of respect for my needs. I also found when i called back and asked to talk with the initial
agent, the person who answered the call was able to get in contact quickly and my agent responded and returned the call within 5-10 minutes.
Most landlords and property managers know just how vital a renters
insurance
can be for your tenants. The small cost to protect valuables and cover cases of damage to property in instances of tenant negligence.
Even so, a surprising number of renters fail to hold a renters insurance policy to protect themselves and their personal property. Despite the relatively low cost, more than 50 percent of renters do not have renters insurance , according to a 2015 survey. A renters insurance policy offers coverage for the theft, loss or destruction of personal belongings in the event of a fire, storm or other covered peril.
Check out the four standard
coverage
s on nearly all new hampshire renters insurance policies:
personal property protects your personal belongings, including furniture, clothing, and electronics. Loss of use helps cover costs associated with an increase in living expenses, up to your policy's limit, if you're unable to stay in your home while it's b...
They save you money
because independent
insurance
brokers aren’t tied to a single carrier, they will shop multiple insurance carriers for the best rates for you. That means you’ll be able to compare pricing from several carriers for the same policy.
This comparison can frequently result in significant cost savings. You can save even more money by taking advantage of multi-policy discounts and purchasing insurance plans that operate together to provide comprehensive coverage. Private insurance brokers work with a variety of insurance companies to find you the best coverage at the best price. An advocate for customers
instead of working for a single corporation, an independent insurance agent works for the customer.
5. They Get to Know You
In addition to receiving commissions, some insurance brokers also charge fees. In general, broker fees must be reasonable and disclosed to the buyer.
Your
state
might also have fee restrictions. For instance, in florida broker fee...
Before
insurance
companies will agree to sell you property insurance, they calculate a commercial property insurance rating, which is specific to the building or property you’re looking to insure. Insurance carriers do this by either (a) giving the property a class rating, or (b) assigning the property a specific rating. When an insurance carrier decides to calculate a specific rating, they assess the construction, occupancy, protection, and exposure of your building, otherwise known as the property’s “cope. ” buildings that have better cope scores are less likely to suffer serious damage in the event of a fire or natural disaster.
One of the most common types of business insurance, commercial property insurance provides a wide range of
coverage
for buildings, inventory, equipment, tools and more. Losses from fire, break-in, vandalism, windstorm and other natural or man made disasters are examples of what is typically covered. A basic commercial property insurance policy...
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