What really is an insurance brokerage? I get asked this all the time ! I also hear folks around town say "My insurance carrier is Eagle Harbor Insurance".
This question or puzzle has a clear , yet broad answer:
An insurance brokerage, such as Eagle Harbor Insurance is actually an intermediary between you the client and the true insurance carrier. We as a brokerage represent YOU as our client, and we always strive to find you the best rates and coverage. We shop your coverage annually and make sure we get you the best rate and carrier currently on the market for your risk, It does not cost you ANYTHING more to use our services and truly gives you another layer of expertise advice on proper coverage.
We also are not the " insurance carrier", we leave that to the carriers we represent, such as Hartford, Kemper, Guide One , Progressive, Foremost etc. We can handle claims filing , bill paying, and changes to your policy, so this is never an issue.
Bottom line, why not use a broker for your insurance? It is free, gives you expert representation, and allows you access to markets you will not find in the direct market to clients.
Please call us anytime for a free, complete review and risk analysis of your current policies.
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In this blog you will find a collection of frequently asked questions (FAQ) and resources about insurance in the state of California.
Hope you enjoy the read and we are at your service!