Insurance agents are not conniving, sneaky, ingenious salespeople trying to look for ways to make money off of you into buying insurance products. Actually they are just the same as you and me. The difference between is that insurance agents know more about their profession than you do, kind of like your accountant/CPA, or Dentist, etc.
There is a website called InsureMyHouse.com who realizes the internet is endangering the local insurance broker and is quick to note that insurance professionals are not expendable like employees.
There are so many advantages of having and knowing your local insurance agent in your area, some of which include:
-Setting up your insurance policy in person with a local agent will help give you balance of coverage while at the same time give you pricing based upon your individual situation and status
-Getting advice on your territory rating that only someone who lives and works in your area would know about
-Learn how to save money by getting multiple policy discounts that are available for your situation
-Having someone who knows the risks and possible coverages you need specific to your area that should be thought of when obtaining a policy. For example, areas highly affected by flood, theft, etc.
-Get answers when you need them when events happen – For example, your house has a tree fall on it from lightning and you need to talk to a local agent who can see what the damage looks like right away
-Being able to talk to the same person each time you call with a question or need to change something to your insurance policy
-Supporting your community by supporting a local small business.
Overall, your homeowners insurance is far too important of a purchase to not discuss it with an agent first. InsureMyHouse.com offers a directory of insurance agents around the country. Be sure to visit for more information about homeowners insurance and to meet your local hometown agent.