Tag Archives: Insurance Brokers in Florida

With insurance comes utter peace of mind when unforeseen circumstances result in physical or financial damage. When purchasing coverage from an insurance agency, you benefit from competent professionals who are readily on hand for personal appointments and an individual assessment of all your insurance needs.

Questions? Your Solutions Are Just One Phone Call Away!

If you hold a policy online and need an answer to a question, chances are you’ll be calling more than 800 different numbers. Not to mention the long waiting times, frequent transfers to various services, and repetition of your situation or question to multiple representatives – if you’re lucky enough to talk to a live person! Whether you’ve got an urgent query, a distressing claim, some changes to do in your policy, or simply questions about your coverage, all it takes is one phone call to get a familiar and lively voice and a trusted answer. You can gather information online or talk to an agent at BREVARD INSURANCE & MARKETING to get an idea of your coverage in Florida.

Having A Relationship with A Person

Nowadays, almost everything can be done online, from ordering your pizza, sending flowers, internet banking to online schooling. The Internet often replaces face-to-face interaction, and it can be a real struggle to remember the advantage of talking to someone online. If you are in a car accident, your computer can’t answer questions about your coverage or get specific documents for you. Having an insurance agent offers the benefits of a business relationship with a real human being who cares about you and your family.

Geography

Your geographic location may require specific types and levels of insurance coverage. Local insurance agencies employ agents who understand your area and can make coverage suggestions accordingly. For example, your agent can advise you if your business is located in a potential flood zone, which would require flood insurance that regular structural insurance may not cover.

Someone Is Watching Out for You

At independent agencies, we conduct a complete review of your policy at each renewal and when changes are made. If a new discount is available, you have a chance to save money for your family! Your insurance agent wants you to save as much money as possible while getting the best coverage possible, and it’s his job to work between you and the insurance company to make that happen. Insurance agencies take pride in knowing the majority of their insureds personally and look out for YOU and your family!

Individuality

In addition to your geographic location, your circumstances may affect the types and amounts of insurance you need. By working with an agent directly, you can explain your circumstances and find the most beneficial coverage for you, which helps protect you against inadequate insurance coverage.

They May Help You Save Money on Other Insurance Policies

A major perk of hiring an independent insurance agent is that they can help with all of your personal insurance needs and coverages for your family’s assets. A vast array of insurance services is available from auto to life, renters, homeowners, boat, RV and motorcycle insurance. Your insurance agent knows your personal needs, your family’s situation, your assets/estate and can recommend policies and coverages to save you money and ensure you’re adequately covered.

Considerations

Although insurance agencies give personal and individual attention to their clients, you may pay more coverage than you originally anticipated. Insurance agencies often pay commissions to agents based on the amount of coverage they sell you. In other words, depending on your insurance agent’s compensation structure, a commission-based sale could result in your agent, offering more insurance than you need.

A Car Insurance Agent Can Keep Your Records in Order

Independent insurance agencies are equipped with the latest technology in the insurance industry while offering the excellent face-to-face customer service you are accustomed to. Whether you have one or more policies, an insurance agent can quickly access your information and easily familiarize themselves with your policy. Agencies typically keep detailed records of your assets, as well as a history of your calls, claims and current inquiries.

Opting for the right health insurance plan is crucial as this will help you get the best treatment for yourself, your entire family as well as your four-legged family members. However, deciding which health insurance to choose isn’t an easy task! There are tons of insurance companies in every city these days that provide high-quality insurance plans. Nearly half of all employers with 250 or more employees offer more than one policy, all with different copayments, benefits, premiums and deductibles. But how do you go ahead and pick the right insurer? Here are a few things to keep in mind when selecting the best health insurance plans for your family –

Look at Out-Of-Pocket Costs

Focusing on the monthly premium is one thing, but keeping track of the deductible, copayments and co-insurance is also a key factor. These three elements are your maximum expenses. Under the Affordable Care Act, the maximum reimbursable expenses are $7,150 for a single person and $14,300 for a family policy.

Consider Your Life Stage

Let’s assume the next coming years turn out to be just like the past five. You go for regular medical checkups two to three times. Your partner is as healthy a horse (as long as he/she swallows his cholesterol pill every day). And your kids, well, let’s just say they have an average of one cast and 15 stitches a year. And therefore, choosing an appropriate insurance plan tailored to your individual needs is crucial.

While taking cheap health insurance plans, it is essential to consider your health, age and financial situation. Selecting a policy with a lower deductible and copayments is recommended if you’re suffering from one or more health problems that require ongoing care (such as heart disease or diabetes) or expecting a baby. Of course, you’ll be paying a higher premium, but your overall out-of-pocket costs may be lower. The insurance agent can help you make a better decision with your health insurance based on all of this information.

Number of Family Members

Are you taking health insurance or term insurance that covers all your family members? Along with the number of family members, their life stages matter too. The cover amount needs to be able to support everyone’s lifestyle and spending capacity in case of any unfortunate incident where the insurance will be used.

Check the Drug List

All insurance plans generally provide a detailed medication list and copayment covered. So, be sure to buy an insurance plan that offers a prescription drug benefit high enough to cover all your needs. If your drug isn’t on the list of medications covered, you may have to pay 100% of the cost. It is also an excellent idea to check whether your insurance plan includes a mail-in prescription option; it can save you some bucks on your regular prescriptions.

The benefit should typically cover at least $1,000 per year. With only a few prescriptions, you can easily reach this amount, especially if your doctor prescribes a medicine with no generic substitutes.

Go Over the List of Benefits

Usually, all individual and small business plans should cover prescription drugs, hospitalization, emergency services, mental health and addiction treatment, preventative services and rehabilitation services, maternity and newborn care, pediatric services (including vision and dental care), laboratory tests and out-patient care. However, the specifications of the plans available through your employer may vary, so make sure to read the plan’s Evidence of Coverage.

Also, don’t forget to double-check your prescription coverage each year when re-enrolling in your insurance plan. Many insurance brokers tend to amend their policies and drug coverage frequently. So, it is wise to look for another insurance provider if your daily medications are abruptly withdrawn from your coverage.

Maximum Age Renewal Option

Although you don’t really use your health insurance when you are young, as you get older, health care costs increase and you will have a greater need for health insurance coverage. So, make sure to check whether your health insurance plan features a more comprehensive renewal option with the best pricing. Opt for lifetime plans with renewability options available beyond age 65 – it will pay off in the long run for you and your family.

Choose the Right Insurer Too

While you’re reviewing all these policies and benefits, it’s also wise to choose the right insurer. Look for insurance companies with higher stakes settlement rates (so you don’t have to fight over your claims). Are you looking for a trusted insurance agent or an insurance quote in Florida? Get in touch with BREVARD INSURANCE & MARKETING – they are experts in the protection of your possessions and those of your family.

When shopping for the best insurance policy, you’ll surely be spoilt for choice. Therefore, if you want to pick the crème de la crème, simply do your homework! Hopefully, these smart tips can help simplify your selection process.

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