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1. Does it cost me anything to use an insurance agent?

No. You don’t pay us any extra fees for our services. We are paid a commission by the insurance companies after we find you a policy. This means you get our professional advice, personalized service, and advocacy at no direct cost to you.

2. Why should I use a local agent instead of just buying a policy online?

Online sites can give you a quote, but we provide value and guidance. When you buy online, you are the expert. When you work with us, you have one. We get to know you, advise you on the right coverage (not just the cheapest), and we are your first call and advocate during the claims process. With us, you get a real person, not a call center.

3. What’s the difference between an insurance agent and an insurance broker?

It’s a small but important distinction. An agent (like us) represents one or more specific insurance companies and sells their policies. A broker technically represents you, the client, and can shop for policies from almost any company. We partner with multiple trusted companies, allowing us to provide expert knowledge of their specific products to find you the best fit.

4. Are you an “independent agent” or a “captive agent”?

• We are an independent agency. This means we aren’t tied to one single insurance company. We represent multiple carriers, which allows us to shop around on your behalf to find the best combination of price and coverage for your unique needs.

5. What types of insurance do you offer?

We are a full-service agency and can help you with all your insurance needs, including:

• Personal: Auto, Homeowners, Renters, Condo, Life, and Umbrella.
• Business: Commercial Auto, General Liability, Business Owners Policy (BOP), and Workers’ Comp.

6. Will you help me if I need to file a claim?

Absolutely. This is one of the biggest benefits of working with us. If something happens, you call us first. We will walk you through the entire process, help you submit the required information, and act as your advocate with the insurance company to ensure your claim is handled fairly and smoothly.

7. What’s the benefit of “bundling” my home and auto insurance?

Two words: savings and simplicity. Most companies offer a significant discount (often 10-20%) when you insure both your home and auto with them. It also simplifies your life—you have one agent, one company, and often one bill to manage for your most important policies.

8. How do I know if I have the right amount of coverage?

That’s what we’re here for. We’ll do a simple “needs review” with you to understand your assets, your risks, and your budget. We’ll explain what your coverage actually does (in plain English) and make professional recommendations. Our goal isn’t to sell you the cheapest policy, but the right one, so you’re not left under-insured after an accident.

9. What is the process to get a quote from you?

It’s simple and stress-free.

1. Call us or fill out our online form.
2. We’ll have a brief 10-15 minute chat to understand your needs.
3. We’ll shop our carriers for the best options (if independent) or build the best policy for you (if captive).
4. We’ll present you with a clear, easy-to-understand quote and answer all your questions. No pressure, just professional advice.

10. How often should I review my insurance policies?

We recommend a quick policy review at least once per year when your policy renews. It’s also critical to call us after any major life event:

• Buying a new home or car
• Getting married or divorced
• Having a baby
• Starting a home business
• A new teen driver in the house

Home insurance – it’s there to protect your precious house in case of fire, theft, or a rogue windstorm. But not many people really dig deep into what their policy covers. Did you know your policy might hold some hidden gems waiting to be discovered? Beyond the expected coverage lies a treasure trove of benefits that could save you a pretty penny (or a delicious steak dinner) in unexpected situations. As always in the small print, sometime you can find pleasant and unpleasant surprises.  Let’s delve into 10 surprising things your home insurance might cover:

1. Detached Structures: More Than Just Your House

Think your policy only covers the bricks and mortar (or studs and sheetrock here in New England) of your main residence? Think again! Many homeowners insurance policies extend coverage to detached structures like garages, sheds, gazebos, or even a fancy backyard cabana. So, if a rogue baseball or a mischievous raccoon damages your gardening haven, your insurance might have you covered.

2. Food Spoilage: Power Outage Blues Be Gone

Imagine this: a summer storm rolls through, knocking out your power for days. Your fridge thaws, and your freezer’s bounty turns into a science experiment. Some policies offer coverage for spoiled food due to a power outage. Be sure to check your policy limits and the specific duration covered. This is also a very good option to have when you have a business related to food, such a restaurant or food distribution company.

3. Loss of Use: When Home Sweet Home Becomes Uninhabitable

A fire, a flood, or a major structural issue can render your home unlivable. But the bills don’t stop! “Loss of Use” coverage helps with additional living expenses incurred while your home is being repaired. This could include hotel stays, restaurant meals, and even laundry services – all to maintain a semblance of normalcy during a stressful time.

4. Legal Battles: Accidents Happen.

Accidents happen, even at home. If your dog takes an unfortunate liking to the mail carrier’s leg, or a guest trips and injures themselves, your liability coverage can kick in. This helps cover legal fees and medical expenses if someone sues you due to an accident on your property (coverage limits apply, of course).

5. Identity Theft: Not Just for the Rich and Famous

Identity theft can wreak havoc on your finances and credit score. Some home insurance policies offer coverage for expenses related to identity theft, such as legal fees, credit monitoring, and even lost wages due to time spent resolving the issue. There is also such insurance policy that cover cyber liability, again, if you have a business related to collecting some information.

6. Acts of God (and Aliens?): Out-of-This-World Coverage

While a meteor shower might seem like a scene from a sci-fi movie, it’s actually covered under most home insurance policies! This extends to other “acts of God” like earthquakes or volcanic eruptions. So, if a falling star decides to take a vacation on your roof, your insurance should have you covered (minus any potential alien invasion legal battles).

7. Stolen Belongings: Beyond the Walls of Your Home

Let’s say your laptop gets snatched from a coffee shop, or your bike disappears from a bike rack. Believe it or not, some home insurance policies offer coverage for personal belongings stolen outside your home, up to a certain limit.

8. Vandalism and Riots: When Things Get Unruly

If your neighborhood experiences a protest that turns destructive, or your teenager’s window gets decorated with creative graffiti, your vandalism and riot coverage can help pay for repairs.

9. Lawsuits: From Libel to Slander

While rare, some home insurance policies offer coverage for lawsuits arising from libel or slander. This can be a lifesaver if someone sues you for something you said (either accidentally or intentionally) that damages their reputation.

10. New Lock, Who Dis?

Had a roommate move out on bad terms, or simply lost your keys? Some policies cover the cost of replacing locks after a break-in or if you lose your keys. This helps ensure the security of your home.

Remember, It All Depends on Your Policy

It’s important to note that coverage details and limitations will vary depending on your specific policy and insurance company. Be sure to carefully review your policy documents or contact your insurance provider to understand the specifics of what your home insurance covers. Don’t hesitate to ask questions and ensure you have the right level of coverage for your needs.

By understanding the hidden gems within your home insurance policy, you can approach unexpected situations with a little more peace of mind. After all, your home insurance is there to protect not just your physical property, but also your financial well-being during life’s little curveballs.

Do you need to add a new policy, update an existing one, or change companies? Our agents will spend the time to discuss with you exactly what you need. We will put together an insurance package that will cover your family or business. We want to make sure that you are comfortable with your insurance, so we will also take the time to answer your questions, explain your options, and make sure you understand your policy.

Having proper insurance and competitive premiums is important. Let us cover your assets in the event of an accident or emergency. No matter what type of insurance you are looking for, look to Banas & Fickert Insurance Agency for the best in insurance coverage. Call us today at 413-527-2700 for quotes or questions. Trust in us to help keep you safe and protected.