While most insurance companies represent one organization, company or group of underwriters, at the Harmoning Agency we work with a variety of companies to ensure that our customers have the best possible insurance coverage. Given the changes in the industry, that has become more difficult to navigate as many companies are dropping lines of coverage or simply no longer writing business for new customers. In this current market, it is difficult to find the best option if your options are limited. However, it’s not all doom and gloom. There are a few recommendations we at the Harmoning Agency have found helpful in this current market.
Understanding Your Coverage
Given the rapid changes in the insurance industry, it is more important than ever to understand your policy and the changes that your insurance company is implementing. As your trusted agent, Harmoning Agency’s mission is and always has been to help you understand what you are buying. We believe in the power of our customers knowing exactly what their insurance coverage means in preparation for when the unexpected happens.
Have you had your yearly review of your insurance coverage? It is important that each year around your renewal we ensure everything that needs coverage including any new purchases that may have been forgotten about. [We encourage you to tell us right away!] There are also many times where, given the current market, Harmoning Agency will help you determine whether you should look at replacing coverage, staying with your current and adding additional coverage or staying with your current insurance plan as is. Before your renewal date, we will help you identify the options available to you.
Filing A Claim
Along the same lines of understanding your insurance policy comes understanding how to properly file a claim. The Harmoning Agency helps our customers do a cost benefit analysis of whether it is most beneficial for the customer to file a claim for an incident or not. This includes many factors including the upfront deductible, cost of a repair out of pocket and future insurability.
Variety of Insurance Agencies
Because of the variety of insurance agencies that the Harmoning Agency works with, there is greater opportunity to find the right fit for your needs. Contact the Harmoning Agency for a quote today on your commercial, agricultural, or auto and home needs.
