Our Company Blog

Why Choose a Local Insurance Company over a National Provider

When shopping for insurance policies, you have many different options from which to choose. You could go with a national provider with a name you recognize, with an online company for the sake of convenience, or with a local insurance company who can give you personalized service. Our agents at Elite Insurance Solutions can put together business and personal insurance coverage policies to exactly fit your specific needs. We would like to tell you why you should choose a local insurance company like ours over a national provider.

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FLEXIBILITY

According to the blog, Auto Insurance, national insurance companies often have the inability to be flexible when writing insurance policies due to corporate regulations. A local insurance provider like Elite Insurance Solutions can be flexible by customizing policies for our customers that a national provider is unable to match. Our agents are not aligned to just one company, so we can match multiple plans to multiple consumers. We can also make exceptions by giving our customers a second chance that a national provider may not be allowed to do.

PERSONAL SERVICE

When you hold an insurance policy from a major national insurance company, you may never talk to the same person twice. You rarely get to know your agent, so it can be difficult to receive customized, personal service. With a local insurance company like Elite Insurance Solutions, communication is easy. Our agents get to know our customers so that we can provide the best insurance services according to their situations. We know the questions to ask to find out exactly what our customers need from their insurance policies.

COMPETITIVE RATES

With less overhead, local insurance companies are able to offer better rates than the national providers. At Elite Insurance Solutions, our agents can find better deals for our customers by customizing policies to offer a more personalized quote that can save you money.

If you need a new insurance policy and want flexible, personal service that can save you money, choose a local insurance company. Contact us at Elite Insurance Solutions, and we will be happy to show you even more reasons why we are the best choice.

By Randy Hulett on September 6th, 2015 | Tagged with: Tags: , , , , , | Leave a Comment

Make Sure You Are Properly Insured for Summer Fun

The summer months are filled with fun activities with friends and family enjoying the warmer weather. Whether you are planning on taking a road trip or simply relaxing outside by the swimming pool, having the best insurance coverage can give you the peace of mind to truly appreciate the summer season. Elite Insurance would like to tell you more about what you need to be properly insured for all of your summer activities by sharing with you some information from the National Association of Insurance Commissioners.

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SWIMMING POOLS

Having a swimming pool on your property greatly increases your insurance risk because you have a bigger chance of being sued or having to pay for someone’s medical expenses. According to the U.S. Consumer Product Safety Commission, approximately 400 children under the age of 15 drown every year in a swimming pool. This startling statistic is why regular homeowner’s insurance may not provide enough coverage for a pool and why some home insurance policies even exclude pools. If you own a home with a swimming pool, Elite Insurance Solutions can boost your liability coverage with an umbrella policy that will extend this type of coverage beyond what you have on other policies. We also strongly recommend that you review all of the local codes and standards before you install a swimming pool in your backyard to be sure you are following all of the safety requirements, such as fences and locks.

BOATS

Before taking your boat out this summer, you need to be sure you have the right boating insurance policy. You will need liability coverage to cover any injuries that occur on your boat as well as property damage to your boat. Your personal property coverage of your homeowner’s insurance policy may cover a small boat for $1,500 or less in physical damage, but your liability coverage is limited. If you have a jet ski or other personal watercraft, you will most likely need a separate policy to cover it. Our agents at Elite Insurance Solutions can find an insurer that specializes in boating insurance.

TRAVELING

Typically, your homeowner’s insurance policy will protect you when you travel. If you have off-premises’ coverage, your personal belongings are covered anywhere in the world. If you are staying in a hotel and your belongings are stolen, the exact coverage will depend on your policy. Certain high-priced items like jewelry and fur will have limited coverage, so if you are traveling with these types of belongings, you may want to look into an additional policy to cover these things.

Need to boost your insurance coverage this summer? Contact Elite Insurance Solutions to speak to our agents about being properly insured for all of your summer activities.