To illustrate the benefits of working with one of the largest independent agencies in the Midwest, the following example presents a recent claim situation for one of our newest valued clients.
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Steve is a middle-aged profesional with a beautiful home that he’s proudly invested money into to finish the basement, add a mother-in-law suite, fence the yard, and add additional sump pumps. He and his wife of 15 years also own a boat, 2 cars, and a few pieces of valuable jewelry.
Steve has worked with the same insurance company for years – and had what he thought to be decent coverage for his lifestyle. After meeting with his Financial Planner one afternoon, it was brought to Steve’s attention that he should consider getting a second look at his home and auto coverage. In fact, the Financial Planner recommended he reach out to an independent insurance agency (much different than who he was currently working with) for an ‘apples to apples’ quote as well as recommendations on new options to consider.
After a quick phone call with Tammy Cross at R&R Insurance, Steve knew he was in good hands.
Savings Opportunities:
- Reduced Home Deductible to $1,000 (was $7,000)
- Eliminated Duplicate Boat Liability Coverage
- Premium Savings of over $428 - on top of additional coverage endorsements
Program Improvements:
- Current policy was considerably underinsuring home
- Single deductible, in the event a claim involves both home and auto(s)
- Addition of sewer back-up and ID theft coverage
- Correction of scheduled jewelry and addition of blanket on smaller items
- $1 million umbrella policy
*Client names have been changed to maintain anonymity.
