• Phone: (239) 247-5125
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Choose an Agent Who is There for You | Centennial Insurance Services

Mar, 02
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insurance agentWhen choosing insurance, it may be tempting to go straight to the lowest bid, but it is important to compare not only the bottom line but also the inclusions and the service agent.

Signing on the dotted line for lower cost insurance may save you money in the short term, but it’s vital to consider what happens in the event that an incident occurs, you experience a natural disaster, a loss due to theft, have an accident or someone is hurt on your property. Those are the situations that need to be considered when looking at inclusions for any and every policy.

Working one on one with a local agent is far more personalized than simply doing your policy online. There is so much to consider when choosing coverage levels and options – it really helps to have someone o your side who can take a look at your finances and lifestyle and make recommendations that will keep your future bright and protect you in the worst-case scenarios.

Holding policies that do not cover you financially can leave you open to a lawsuit and possible financial damage. For example. Say you only hold 50,000 in liability coverage on your auto policy. You are driving down 5th Avenue in Naples, Florida and crash into a Bentley. The crash seems relatively minor until you get the estimate from the dealership for $95,000 worth of damage to the injured party’s vehicle. That leaves you personally on the hook for the remaining $40,000. If you don’t happen to have that available, your assets may be at risk and can be taken from you and sold to cover the debt via court judgment.

This can hold true for homeowner liability, boating insurance, condo insurance and much more. Levels need to be set correctly for your income, assets, and the property they are intended to cover.

If you are in the Southwest Florida areas of Fort Myers, Estero, Bonita Springs, Cape Coral, Naples and Marco Island we invite you to talk with our agents here at Centennial Insurance Services and do a policy check.

Visit us on the web at www.cisinsfl.com or give us a call by dialing (239) 247-5125.

 

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