Understanding the Unique Challenges Homeowners Face
Homeowners often balance many tasks and worries. From maintaining their home’s value to protecting it from risks, their list of responsibilities never ends.
Homeowners have diverse priorities when seeking insurance. Many aim for the best value, balancing comprehensive coverage with affordability. Preferences can range from environmental sustainability and tech tools to community involvement and clear policy terms. Life stages, such as being a first-time buyer or a retiree, influence specific needs. Additionally, ethical practices, educational resources, and a sense of autonomy are crucial for numerous homeowners
Top 8 Common Concerns Homeowners Face:
1
High Premiums: One of the most significant pain points for homeowners is the cost of insurance premiums. High premiums can strain household budgets, especially in areas prone to natural disasters or with high crime rates.
2
Insufficient Coverage: Some homeowners might discover that their policies don't provide adequate coverage for specific risks, such as flood damage or expensive personal belongings.
3
Undervaluation of Property: Some policies might undervalue a homeowner's property, leading to inadequate payouts in the event of a claim. This can be especially problematic in regions with rising property values.
4
Claims Process Challenges: Navigating the claims process can be frustrating. Delays, paperwork, and uncertainty about whether a claim will be approved are common concerns.
5
Lack of Personalization: Some homeowners feel that insurance policies are not tailored to their specific needs.
6
Renewal Rate Increases: Some homeowners experience rate increases during policy renewals, even without making claims. This can lead to frustration, especially when there's no clear explanation.
7
Difficulty Switching Providers: Switching to a different insurance company can be tricky and take a lot of time, deterring homeowners from seeking better coverage or more favorable rates.
8
Confusion About Additional Coverages: Homeowners might be unaware of additional coverages they could benefit from, such as identity theft protection or equipment breakdown coverage.
Are You Right For Us?
You prioritize the safety and security of your home, understanding its value both financially and emotionally. You’re looking for a long-term commitment, ensuring that your home is protected from unforeseen events. You recognize the importance of being prepared and are willing to invest in peace of mind. Most importantly, you want the best for your family and property, ensuring that in times of need, you have a reliable safety net.
A common misconception is you’ll pay a larger amount as a commission to the brokerage firm. But you actually don’t - we get paid a commission from the insurance companies. We’ll only recommend plans that are actually right for you.
BENEFITS & MISSION
Why Work With BrokerUnion
The main differences between the big banks and boutique brokerage firms like us are:
1. Number of choices
We shop around to give you the best rate instead of offering you the products of one bank.
2. We build relationships
We’ll sit down and talk with you, and treat you with care and respect. You have a unique situation so you must have a unique solution.
3. Education
We explain this on our about page, but we are really in the education business. Our job is to give you all the information you need to make an informed decision.
4. Confidentiality
Bank employees have to look after the interests of the direct writer whereas a boutique brokerage has no obligation to anyone – therefore we’ll always act in the best interest of our clients. They’ll have to report on accidents and other impactful events to their bosses, which may increase your premiums, but we do not. It’s almost like the confidentiality agreement lawyers have.
5. 25+ licensed and experienced brokers
We are large enough to have experience in any situation, but small enough that you won’t be treated like a serial number. We pride ourselves in both our professionalism and our friendliness.
The main differences between other brokerage firms and us are:
We speak 22 languages
A great insurance plan is personal and unique, therefore communication must be extremely accurate.
Our Own App
We have our own app for all policy letters, communications, documents, pink slips, etc. Even if you switch carriers, it’s all on one app, which makes things very convenient for you.
Dedicated Customer Service Team
Dedicated customer service team – so that even in off hours, you won’t be left talking to an answering machine.
2022 IBAO Brokerage Of The Year
2022 IBAO Brokerage of the year (category under 25 brokers). To achieve that, we’ve prioritized the core of what makes a good brokerage – choices, education, and service. If we learn of a new way to get clients better coverage, or at cheaper rates, or with less time/effort invested by them, we’ll adopt it because we always put our clients first.
Choices
We have a very extensive list of carriers we work with. That lets us find you a plan that’s very custom to your needs.
Experienced Professionals
We have relevant experience. We’ve helped 5800+ clients with their auto insurance in the past 3 years.
Not everyone has access to the same carriers - we have access to multiple top carriers as well as dozens of carriers that cover almost all situations
WHAT WE OFFER
Products for Home Owners:
Auto Insurance
Are you on the hunt for reliable auto insurance? Drive with confidence knowing you’re covered by our top-tier protection plans. Choose the best for your vehicle and hit the road without worries.
Home Insurance
Are you seeking dependable home insurance? Protect your home with our tailored coverage options. Secure peace of mind and the future of your home & family today.
RV, Motorcycle, and Boat Insurance
Are you a lover of the open road, waters, or trails? Safeguard your RV, motorcycle, and boat with specialized insurance crafted just for your adventures. We’ve got your back wherever you roam.
Life Insurance
Are you contemplating the future security of your loved ones? Invest in our life insurance options, providing peace of mind and financial support for those you hold dear.
Critical Illness Insurance
Are you taking proactive steps towards life’s uncertainties? Arm yourself with our critical illness insurance, offering financial support during life’s most challenging health battles.
Imagine Your Homeownership Journey With Us
Enhanced Protection:
You will have comprehensive insurance coverage that addresses your specific risks and needs.
Peace of Mind:
With a clear understanding of your coverage and the reassurance that we’re here to guide you, you’ll will experience a heightened sense of peace of mind.
Proactive Risk Management:
Our risk assessment and management advice will empower homeowners to take proactive measures to prevent losses.
Smooth Claims Experience:
In the unfortunate event of a claim, you’ll will benefit from our expertise in navigating the claims process. Our guidance will make the experience less stressful and more efficient.
Savings Opportunities:
By identifying potential discounts and cost-saving opportunities, we’ll help you maximize the value of their coverage while managing your budget effectively.
Educational Empowerment:
You’ll become more educated about insurance and risk management, enabling you to make informed decisions about your coverage and other home-related choices.
Time and Convenience:
With our assistance in policy management, claims filing, and communication, you’ll save a ton of time and effort.
Let's Secure Your Home Together
With our tailored solutions, you can peacefully enjoy your home, knowing every corner is protected. Your peace of mind is our priority. Let’s create a secure and serene sanctuary for you and your loved ones, together.
Our Happy Customers
What Exactly Does An Insurance Brokerage Do For Homeowners?
1. Policy Clarity
Brokers can explain policy terms and conditions in clear, understandable language, reducing confusion and ensuring homeowners know what is covered.
2. Risk Management Advice
Brokers can offer advice on risk management strategies, helping homeowners proactively prevent losses and reduce the likelihood of claims.
3. Claims Assistance
Assisting homeowners through the claims process, providing guidance, and acting as intermediaries with insurance companies can reduce stress during difficult times.
4. Access to Multiple Insurers
Brokers have access to multiple insurance companies and their products, enabling homeowners to choose from a wider range of options.
5. Customized Solutions
Brokers can create customized insurance solutions based on homeowners’ needs, combining various coverage types to provide comprehensive protection.
6. Advocacy
Brokers act as advocates for homeowners, ensuring that their interests are represented in dealings with insurance companies.
7. Discount Insights
Brokers can identify potential discounts or savings opportunities, helping homeowners make the most of available cost-saving options.
8. Local Expertise
Offering insights into local risks, regulations, and property values allows brokers to provide more accurate and relevant coverage advice.
9. Digital Tools
Utilizing technology, brokers can provide homeowners with digital tools for policy management, communication, and claims filing.
10. Emergency Assistance
Brokers can offer guidance in emergency situations, helping homeowners take appropriate steps and connect with resources when needed.