​Why Use An Insurance Agent?​
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Our Professionals Help You Obtain Correct Coverage

Some direct or online insurance companies try to sell you their own pre-packaged insurance products as a commodity.  The problem is, unless you are highly knowledgeable in insurance yourself, you may not understand what you are getting. Good insurance advice is crucial to your financial security. Insurance contracts may be many pages long.  Different insurance policies have different covenants - conditions you have to sustain as the insured party, or the whole insurance policy becomes null and void.  As well, they have different coverage exclusions and applicable deductibles which may or may not suit your risks or financial situation.

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If anything about your situation isn't average or typical, buying a "one size fits all" insurance policy may leave dangerous gaps in the coverage you need, or worse, provide you with a policy that may not suit the conditions you are purchasing it for.  Insurance that is offered at the same price regardless of who is purchasing it, is also priced based on the riskiest customers.  If the details of your personal situation put you into a lower risk category, pre-packaged online insurance will cost you more than properly chosen insurance obtained through an Insurance Agent.

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Competitive Pricing Assured

As Insurance Agents, we are your professional representatives to obtain the best combination of correct coverage and competitive pricing for you up front, because we work with an extensive network of insurance providers rather than offering insurance from only one provider.   This also enables us to offer you a very large number of insurance products from different providers, and the result is that no matter what kind of insurance you need, our network of professionals is able to obtain it for you.

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We Advocate For You

If there is ever a claim under a policy, we help you to calmly overcome the upsetting experience of damage or loss, we help you understand and guide you through the claim submission process, and we advocate on your behalf for the maximum available coverage and timely payment of your loss by the insurance underwriter.  Because the settlement value of your claim does not come from our pocket, and because of our extensive knowledge of policy coverages and the settlement process, we are in the best position to ensure your claim receives fair treatment for a reasonable and timely settlement.  The insurance underwriter is more inclined to ensure we are happy with the way your claim is settled, because our buying power with them includes hundreds of our other customers and they want to maintain that block of business with us. 

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By contrast, if you buy from a direct insurance seller, you have to advocate directly to them for any claim you make on their policy, and it is in their interest primarily to minimize the settlement amount they deem your claim to be eligible for.  They may also try to string you along with incessant requests for further information, aiming to tire you out from your pursuit of the claim to delay or prevent having to pay out.

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Personal Service
To us, you are our valued customer who we want to stay with as your insurance needs evolve.  We take the time to know you and to ensure you correctly understand your risks and the insurance products available to cover them.  Once we have arranged a policy for you,  we will contact you from time to time to confirm any changes in risk conditions and make sure that the coverage provided by the insurance policy you have stays current with the inevitable changes in the risks you are insuring.  We also follow up with you to ensure you are satisfied with the insurance coverage and any claims service we have provided.

Instead of a large international company with a 1-800 number, where you will never get to meet the person you are dealing with, you will deal with our representative face to face as your trusted advisor.  You will know how to reach us any time you have a question or concern, we will strive to consistently give you a prompt response, and if there is ever an insurable loss you need to make a claim for, you know that you will be able to reach us 24/7.

If you are like most people, you want to develop a long-term relationship with an insurance agent who is consistently there for you.  We will work hard to be your trusted advisor, to maintain our reputation for excellence, and to continuously grow the knowledge we offer.