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Do You Think Your Insurance Agent Is in a Noble Profession?

Many people rank insurance agents somewhere around used car salesmen. If you feel that way because of a prior experience with your agent, then we apologize on behalf of your agent. Click here to learn about our unique perspective on the nobility of our profession.

Then come back here and let us help you review your coverages. We find that people fall into one of two groups. In the first group are people who buy insurance because they want the right protection, not because they are forced to buy it. They want to know what is included in their coverage and what is not--because no policy covers everything--so they can say "I'm okay with that gap," or "I need to close that gap." In the second group are people who do not want to deal with it, so they wait until they have a claim to find out whether they are covered.

Which group are you in? Which group do you want to be in?

Do you deliver pizzas, newspapers, mail, flowers, or any other product in your personal vehicle? Does your son or daughter have a newspaper route and use the family car? If you or your family member had an accident while delivering, most policies would not pay the claim. That's why delivering pizza in the family car could be the world's most expensive pizza delivery.

Preserving the Value in Your Valuables

Your new engagement and wedding rings are beautiful, and your husband paid dearly for them.

You got a new big-screen plasma television for Christmas, with a home theater system.

You bought a new computer so that you can play the latest games (and maybe use it for your finances, too).

These are all major purchases, and they are things of which you are proud. And you should be! But what if something happened to them? Do you know if your homeowners or renters policy will cover them? Do you know if they will be replaced at the full value, or if the payment will be reduced for depreciation? Do you know if they are covered if they are stolen, lost, or broken?

In this article, we will examine jewelry, electronics, and computer equipment separately. As always, you should check with your agent, because each company's policy is a little bit different.

All rights reserved. Community Insurance Center, LLC, is based in Lewis Center, Ohio, part of the Columbus metro area, and offers property, casualty, life, accident & health, and variable products. The material contained in this web site is applicable only in Ohio.
Community Insurance Center, LLC, is an Accredited Business of the Better Business Bureau