Are you paying too much for home insurance?

 

At Wenatchee Insurance, we like to know why a possible new client in Chelan/Douglas County is searching for new coverage with us. 

Yup, the answers vary, but we do see some trends, and usually that is centered around price. 

Who doesn't think about price these days? Buyers have more options than ever and the elusive better deal is sometimes not elusive at all. 

Are you paying too much for insurance?

People don't want to overpay. Plain and simple. You'll see the majority of advertisements focus on helping customers save money. $300 billion a year spent on advertising proves this to be the case. Companies want to keep saving money front of mind, and when it comes to saving money, they want to stand out ahead of the competition to bring that buyer in-house versus going with someone else. 

For the consumer, the big question, am I paying too much? Trusting the companies that advertise to them isn't the best strategy. Never treat good marketing as equaling a good product. It takes a little work and conversation, especially when it comes to home insurance. 

Are You Actually Protected?

You may already know the three most important things to consider regarding your homeowners insurance.

Wild Fires, loss deductibles and fully rebuilding after a loss are three main concerns. Another area where homeowners get bent out of shape has to do with water coverage. Your price savings on premium can add up to nothing if you aren't covered for the damage water can do. A sewer back up is no laughing matter when it comes to your bank account.

In the Last 3 to 5 Years, Have You Shopped?

Company loyalty is not always rewarded these days. Teaser rates usually help to onboard a new client and then price creep kicks in. Think cell phone, cable bill, or internet. Seen any price increases lately? This happens with insurance as well.

Did you know that a slight 15% increase each year lends to your bill doubling every five years? Simple math. With that as the case, we recommend shopping your insurance to see reduction in your premium about every 3 to 5 years. The 3 year mark can equal the right time for rewards from carriers because of your loyalty as a long-term customer and help rid that premium cost creep. 

Freedom with an independent broker.

Independent Insurance Agencies are Where It’s At!

We'll say it loud and proud. As a local, independent insurance agency, we have access to options and that's good news for you. We use an in house insurance exchange. We caution you to avoid giving your information to services online that will shop out your insurance for you and give your name to just about anyone. That's one way to get annoyed very quickly as your phone blows up from telemarketers (or repetitive emails and texts).

Instead of that, Wenatchee Insurance protects your information while we shop for you. We'll present you with multiple options and address any concerns you have on price while making sure you have answers to the questions we posed above. Who doesn't want the best coverage and the best price?

Having ways to find that balance is what makes us a good friend to have when it comes to homeowners insurance.

There's no big corporation we report to. There's no particular product we're being told to sell. We are your neighbors located on Mission Street across the street from Jewelers.

Let's chat and find you that good insurance you're looking for. 

Topics: home insurance, Washington property insurance, independent insurance broker, Wenatchee, Chelan County, Douglas County, Wenatchee Insurance