Why use an agent/broker ?

I think a lot of people wonder why use a broker, why not go straight to the company for a policy, isn't it more expensive to use a broker?  The answer is no, the rates are the exact same whether you go through a broker or through a carrier direct.  The benefits of going through a broker is you have someone on your side, that doesn't work for the company but rather represents you, the customer.  You have an experienced agent who knows how to navigate the policy verbiage, knows the loopholes, someone who will be on your side come claim time, and who you know is looking out for you and your best interest not necessarily the carriers. 

What if you had a claim, who would be on your side to fight it out with the carrier if they are trying to deny it?  Do you want to then read through your policy to make sure what you bought is truly giving you the coverage you need, and not just giving you a premium to pay, with little to no benefits come claim time.  If you only have the carrier to work with then who's on your side, who has your best interest at heart?  An employee of the company is going to do whats best for the company first and foremost and not necessarily you.  This isn't to say carriers don't look out for their clients, they do, but an agent knows how to speak their language and navigate the ever complex world of insurance - all on your behalf and best of all, at no additional cost to you.

You wouldn't walk into a courtroom without an attorney or buy a home without a realtor - you could but would you get the most favorable results? With those services you are paying for their knowledge and ability to navigate their field and fight for whats best for you - with an agent you get the same service without paying a penny more.  What other industry offers that?  You get a personal broker on your side, to handle any questions you may have, look at all of your exposures, and help if you have a claim.  

As your agent/broker we at Academy Insurance Agency will not only help you navigate insurance and stand by you, and for you, come claim time but we will also re-shop your rates automatically every year to be sure your rate is the most competitive for you.  We look at your policies as a whole for any loopholes where you are not covered, and we do all this while keeping your budget and needs in mind.