The auto insurance market place has been commoditized more than any other insurance product. That makes working with an independent broker then best option. At Concepts, we can give you objective opinion on the various insurance companies and service the account for you.
Home insurance is much less commoditized than auto insurance. Many of the best insurance polices you can get on the market come from regional carrier that specialize in the geographical risk of the regions they operate. For example: On the east cost, it is very common to have a special catastrophic wind or hurricane deductible. Many brand name companies force high deductible such as 5% of the dwelling. This could be $10,000 of thousands out of pocket for you, the insured. Many smaller regional companies will offer a much lower deductible option or to eliminate it completely. Other similar risks that change by region are brush fires & earthquakes in regions where these are common.
An umbrella policy or personal liability policy provides additional liability coverage if a claim exceeds the underlying policies liability limits. Most personal liability policies only cover the excess labiality, however, some carriers are adding coverages such as , reverse liability, extended supplementary uninsured/underinsured and identity theft protection.
At Concepts, we also offer policies that cover, classic cars, boats, RVs, ATVs, jewelry, fine art and collectibles.