Why You Need to Choose an Independent Insurance Agent

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Why You Need to Choose an Independent Insurance Agent

Whether you are wading into the insurance market to protect your loved ones or your business, choosing to purchase insurance is an important investment. It is designed to provide you, your loved ones, or even your business—depending on the type of insurance package you opt for—with compensation in the event of loss, which could include damage to personal property, illness, or even death.

What kinds of risks can insurance compensate you for?

From floods, to fires, to motor vehicle accidents, to theft and other instances of crime, insurance provides you with protection in the event of the unthinkable, but not altogether unlikely.

Floods, for instance, while they may not be an overtly relevant concern depending on where you are located, are the number one natural disaster in the United States. In 2012, there were more than 140,000 flood claims in the US alone, and on average these claims amounted to close to $42,000 each.

Independent Insurance Agent

Fire is another leading cause of damage to both persons and property. According to reports, in 2013 the US fire department responded to fire accidents every 25 seconds. Every 65 seconds, one structure fire was reported in the US. Every 85 seconds, a home structure fire was reported. Every 33 minutes, a civilian fire injury was reported, and one civilian fire death occurred every 2 hours and 42 minutes. In total, 2013 reported 1,240,000 fires, causing 3,240 civilian deaths, 15,925 civilian injuries, and $11.5 billion in property damage.

In 2009, 10.8 million motor vehicle accidents were reported in the United States. Of these accidents, 35.9 million fatalities occurred as a result, and 465 of those fatalities occurred in Colorado alone.

The reasons to invest in insurance are clear, but where do you go to find the right insurance coverage for all of your needs?

You have a lot of options when it comes to the type of insurance agency you choose, and ultimately this decision can only be made based on what suits your needs and preferences best; however, there are a lot of benefits to choosing an independent insurance agent in Denver for your insurance needs.

Why choose independent insurance agent?

An independent insurance agency is independently owned, which means it isn’t owned by or required to sell you insurance from one specific company. This means you have access to much more flexibility of choice—and you have an insurance agent who is able to provide you with objectivity. This means you are much more likely to find the insurance coverage that best suits all of your needs—not just the ones an insurance company is trying to sell you on—and your independent insurance agent will shop the market to find you the absolute best premium for the coverage you need, as well.

If you are in the market for insurance, come talk to a qualified independent insurance agent today. Here at Mountain Insurance, we can help you find the best comprehensive insurance coverage to suit your needs, whether they be business, personal, or both—and we’ll find you the most competitive rates so you can save a bundle to boot.

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