You don’t go out and purchase any type of car or home without doing research on which is best for your needs, so why would you purchase just any average insurance coverage for your home and auto just because it may be the cheapest? There are many reasons why you need to invest in the same type of research when purchasing insurance protection for your car and home. Find out why you need the right type of home and auto insurance protection and not just the policy the offers the cheapest rate.
Cheap Deals Can Turn Costly
Imagine this for a moment…You searched for 6 months for the perfect home for you and your family and got what you thought was a great deal on your homeowners insurance rate, but then you get a phone call that your house is on fire. As a result, you lose all of your personal property, priceless heirlooms, and photographs and now have to relocate until your home can be rebuilt.
However, you find out that your Alabama homeowners insurance coverage will not pay for all of your costs to rebuild and will only pay a fraction of the contents lost in the fire. Needless to say, the coverage you took out was inadequate for your home value and now you are responsible for paying the balance of the replacement cost to rebuild and replace your contents. What seemed like a “good deal” in the beginning turned out to be quite costly when you had a claim.
Regarding auto claims, I have witnessed horrific accidents and have seen claims that resulted in death, extensive injuries, exuberant lawsuits and millions of dollars of damages and without having quality insurance protection you could be faced with financial destruction.
You Can Find Quality Home and Auto Insurance Protection and Still Save
Billions of dollars are spent each year by the insurance industry advertising insurance for home and auto claiming the “lowest rates” for insurance protection, but have you ever considered what may happen to you financially if you don’t have the right insurance protection or you are underinsured? That’s a million dollar question!
First of all, insurance is designed to provide protection for catastrophic losses and while you may never think it will happen to you, it can and does happen to others all the time. Being underinsured for a disastrous loss means that you will be responsible for ALL damages above and beyond what your coverage affords and for most people that means losing all of their assets. Can you afford to lose everything you own because you tried to save a few bucks on the lowest rated insurance protection for your home and auto?
Rates Are on the Rise, But We Can Help
Unfortunately, auto and homeowners insurance rates are on the rise, but you can still get the right type of insurance protection and still save money. The good news is that Burkett & Associates is an Alabama independent insurance agency that works for YOU and not the insurance company, which allows us to shop your insurance coverage options with the top rated insurance companies to find the best coverage at the most affordable rate for you. Our main objective is to work for you and WITH you to meet all of your needs for both auto and homeowners insurance protection. Call us TODAY at 256-704-7400 if you would like to us to shop your Alabama coverage options or update your existing protection.