Decision TimeAs an insurance buyer, you have many options relating to how you buy your insurance. We hope to provide some interesting factors that we hope will help you in your quest for the best possible combination of coverage, price, and service. We need to start with a basic premise, that is, insurance is not just a policy or product. Insurance is a tool you use to protect your business, your property and family form potential loss. In the absence of insurance, most of us could not afford to recover from a loss, injury or damage. Let us lay out some fundamental truths about insurance.
  • Insurance policies are all different.
  • Insurance companies are also different.
  • The experience level of agents varies greatly.
  • There are different kinds of insurance agents.
  • All insurers have basic rates that are regulated by the State.
  • The fewer losses you have, the better off you are.
  • It is possible to design an insurance policy that fits your needs while being cost effective.
We hope you will call our office and start a conversation with about how we might help you. Would you rather have an agent you just graduated from high school or one that holds many professional designations and ten years of experience?  You want an agent who is supported by a local agency that is committed to the professional development of their staff. Some insurance agents sell more life insurance and know little about commercial insurance. Contrary to popular belief and advertising, insurance policies are not one size fits all. Every personal and business insurance policy is unique. Insurance was designed to offer basic coverage but have the ability to be modified, changed and added to make sure the coverage purchased meets the needs to the buyer.  Having an agent who understands you and your needs allows him or her to design a policy or program that addresses your individual risks. Independent agents are locally owned business professionals who live and work in your community.  Independent agents have access to many different kinds of insurance companies and are not controlled by their insurance companies. Independent agents do not work for their insurance companies and can place business with the insurance companies that best fit the needs of their clients. Choosing the right coverage for your home depends on a number of factors. You generally need enough insurance to cover the cost of rebuilding your home and replacing your personal possessions. The homeowners policy also provides personal liability insurance to defend you in the event of a lawsuit. At J.S. Edwards & Sherlock, we can help you find a plan that suits your specific needs.