Are wildfires typically covered by homeowners’ insurance?
Traditionally, insurance companies did not sell to the general public. However, over the years some companies have started to offer insurance policies directly to the consumer. Now there are two ways to purchase insurance: direct with one company or through an insurance agent.
There are two types of insurance agents; Captive and Independent. Captive agents lock you into just one insurance company. Independent Agents represent many different insurance companies offering you a choice.
Britton and Britton Insurance is independent. They work with both the direct writers, and the insurance companies only accessible through the independent agent network.
Did you know? An independent agent has the fiduciary responsibility to be your advocate. That means your agent places your interests above their own, and over the interest of the insurance company. They work for you.
Does it cost more?
No. Britton and Britton Insurance does not charge a fee for their services. At your request their team compares insurance quotes, reviews benefits, searches for discounts, listens to your concerns, and helps you build your insurance bundle.
Coverages vary from one company to another, and there are different liability limits, deductibles, or policy options you can choose. It’s your agent’s profession to answer your questions, compare different insurance policies, and offer solutions for your unique requests.
When you buy insurance direct online you may be taking on a higher level of risk than you realize. A computer cannot respond to your questions or offer more than one solution. When you contact a call center direct to purchase your insurance you may not even be speaking with someone in Texas.
Your independent insurance agent is trained and licensed in the Texas insurance field. The State of Texas requires agents to complete mandatory continuing education classes to keep up with changes in the industry.
Independent agents live in your neighborhood and are familiar with risks in Texas such as real estate, traffic and natural weather disasters like hurricane or flood. Your local agent also supports charities close to their hearts and shops at other homegrown businesses. You are supporting your hometown whenever you shop in your community.
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