I would like to thank the two clients I visited in The Villages today. One of the great things that this insurance agency does is in home visits. We want to bring back that home town feeling when it comes to insurance. So our office offers in home appointments to review your insurance needs. It actually makes a difference when you can sit with the client in their home and go over the choices we give them. Most people feel more comfortable that way. We also want the client to feel like they are the most important person to us and that they have all our attention.
The first appointment in The Villages was Cheryl. Cheryl was very nice and welcoming. She was a client of The Villages Insurance and had her Home, Auto and Golf Cart with them. We spoke over the phone a couple of times and she told me the coverages that she currently had. I myself worked for The Villages Insurance years ago, so I know what they offer for insurance. I gathered some information from her so that I could shop her coverages. We at HomeTown Village Insurance have over 35 insurance companies to shop coverages and rates with. That way we are not stuck with one or two companies and the rates they offer.
After I shopped her coverages I gathered the information that I had and made an appointment to go over the coverages with her in person. My goal is to inform and educate my clients so not only they understand what the policy covers but that that also understand it. When we met this morning I reviewed and compared what The Villages Insurance was offering to what I had. What I was able to do was save her money. The fact is that I was able to lower her insurance bill by more than $575 a year. I was able to do that by knowing what companies work best and how they work. Her auto insurance was with Travelers Insurance, I was able to keep her with them while lowering her rate. It all depends on how much work your insurance agent want to work for you. She was very pleased with what I had to offer and I signed her up right away.
The next appointment I had in The Villages Florida was with Jack M.. He was a very nice gentlemen from the village of Chatham. Jack located HomeTown Village insurance through the village news web site. One of the fastest growing news sites on the internet. When I talked with Jack he informed me that he was currently with AAA for insurance. He told me that one of the reasons he liked AAA was that he had an all in one policy. An all in one insurance policy is really only offered by AAA in Florida. Even though you see all the TV adds saying they offer it, you need to look at the fine print. Unfortunately in Florida most carriers do not offer that kind of policy. That is a good thing that they do not offer it.
The reason that an all in one policy in Florida is a bad idea is this. If you have a Home, Auto and Golf Cart insurance with one company. If that company decides to raise your rates or change your coverages to one of your policies. You would not only have to shop the policy that was changing but the other policy's you have with them as well. AAA does that with all of their clients that it has in Florida. You will not be able to keep just one policy with them without the other policy rate increasing. What that means is that they know that you are more likely to keep your coverages with them when they have an increase or change in coverage then shop them some where else. If you had independent policy's that would not be the case. Whenever one policy has a change you can still keep the other policy's if you are happy with them.
I was able to explain that to Jack and make an in home appointment with him in The Villages. Jack had been with AAA for a very long time. It is hard for most people to change something that has been consistent in their life. Sadly this is how people could save them selves a lot of money. Since most people just go with the flow they do not shop the coverages or rates for insurance. It is good to be loyal to your agency but no reason you cant keep them honest and shop around. I was able to save Jack M. over $500 in insurance. With that in mind he also has the ability to change a policy or coverage with out it affecting any other policy he might have.
Saving money for my clients is very important to me and my office. However we also have a lot to offer our clients that seems to have gone missing in the United States. When you become a client of ours you become family. Our job is not to sell you what ever we can sell you. We make an effort to help you understand what you have and show you what is available so you can make the decision. If we do not see a need for something we will inform you of what we believe you need instead of what makes us the most money. That I know is hard to have faith in when so many companies just want to take. We are family owned an run with over 15 years experience in the insurance industry. We are not out to take over the world, we just want to make a difference in our community.
Whether you live in The Villages Fl, Leesburg Fl, or any where in Florida contact HomeTown Village if you are interested in saving money. We have over 35 companies to shop your rates and coverages with. We want to make sure you have the right coverage for the best price.
HomeTown Village Insurance
352-751-5454
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