Estimated reading time: 4 minutes

Why You Should Be Careful on How You Purchase Insurance in Lancaster SC

Sometimes we long for the simpler days of old in Lancaster SC. One thing I’m glad has changed is how we purchase things. The internet, specifically, Amazon, has made purchasing some things, a whole lot easier. Just because it’s easy doesn’t mean you should do it. Insurance shouldn’t be one of those. This is why you should be careful on how you purchase insurance. Below, I will explain why you shouldn’t purchase your insurance online and why you should use a local independent insurance agent.

 

Insurance is a Specialized Product

Have you ever taken the time to read your insurance policy? I can say most people haven’t. If you need to draw up a Will, most of the time you will go see an attorney. Most of us did not go to college to become a lawyer. Contract verbiage can be confusing and intimidating. So, would you go online to purchase a Will to protect your estate? What is Insurance? Insurance is coverage by contract whereby one party undertakes to indemnify or guarantee another against loss by a specified contingency or peril. You have worked too hard to acquire assets over your lifetime. Without the proper coverage or the understanding of the coverage someone sold you, can set you up for a huge liability down the road. Since most people have not read their homeowners insurance policy, purchasing insurance should never be more than just checking an item off your to do list.

 

Insurance is a Personalized Product

Everyone’s life and risk tolerance are different. When someone starts their first job or just gets married, they may not have lots of assets, “things”, to insure. As life goes on, we accumulate “things” that need to be protected in the case of loss. Primary residence, second homes, cars, RV’s, jewelry, antiques, or materials within the home or just protecting your assets from a lawsuit, are items you should consider when reviewing your options for insurance.

Some questions to consider are: Do you own or rent? Do you have a second home? How many cars do you own? Do you have a teenage driver? Is your teenage driver an honor roll student? How many miles do you drive in a year? Do you work from home? As you can see, there are a lot of questions to consider. Carriers like to bundle for better pricing and provide discounts to students and employees who work from home.

 

Insurance Should Be Relational

As I mentioned earlier, the internet has made shopping much easier. If you order from Amazon and you don’t like your purchase, you can just return it. When you purchase an insurance product from an online insurance carrier, you just can’t return it, especially when you have a claim. The claim is yours to have. Having to file a claim is the worst time to realize you’ve made the wrong decision on an insurance policy.

The idea that you can just check a few boxes online and purchase a policy that protects you, is not the way to go about this. You need peace of mind. The peace of mind that a local insurance agent can bring you.

A local insurance agent’s role is to advise, educate and be an advocate for each individual client. It’s our role to advise you that people with assets like you have these types of insurance policies. A local independent insurance agent can give you choices and options. An online only carrier or a captive insurance carrier like State Farm, can only provide you with options and not choices. By options I mean, variations of “their” product. An independent insurance agent has access to many different carriers (choice) and can provide several options within each carrier.

Just like having a pastor, lawyer, or an accountant, it’s important for you to have a local insurance agent. Go to someone who is qualified to give you good advice. The internet has a lot of information on it. Having information is one thing. Having knowledge and wisdom is another.

Reach out to HFC Insurance at 803-286-1161 or visit us at 304 North Main St Lancaster SC 29720 if we can help you with your health insurance, Medicare insurance, home insurance or car insurance needs.

Visit our YouTube Channel on everything insurance.

Places to read our reviews for HFC Insurance: Foursquare, Google, Merchant Circle and Bing.

 

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Estimated reading time: 4 minutes