Top 10 FAQs You May Ask Your Insurance Agent

Exterior of Banas & Fickert Insurance Agency office, located in historic Italiante building in Easthampton, MA

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
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