Shopping for insurance can seem like a daunting task.  It’s hard to know where to start and we’re often left wondering things like…  How much insurance do I need?  How do I know if I have the proper coverage?  Here are some things to consider when looking for insurance.

  1. Price – Do not shop on price alone. It’s important to remember that the price doesn’t always equate to the value.  While it’s important to save money, you don’t want to do it at the cost of being properly covered.  Gilmartin Insurance can help you get the proper coverage for the right price!
  2. Coverage – Many of us are unsure of how much coverage we should have. We often think that our property isn’t worth as much as it is so we opt for less coverage based on what we think our things are worth or what we paid for them.  Insurance should cover the cost to replace what you’re losing at today’s prices.  Being underinsured, whether it’s for your home, your car or your life can leave you with big financial problems should something happen.  Being over-insured is not beneficial either.  Reach out to Gilmartin Insurance, in Northeast PA, to help make sure you have the right coverage amounts in place before anything happens.
  3. Endorsements – Many people get confused when it comes to endorsements. What are they anyway?  Endorsements are additions to the policy that can either give you coverage or take it away.  There are many endorsements that can help add coverage to your policy that otherwise wouldn’t be there so it’s important to know what endorsements are available and if any of them are a good fit for you.  Some examples of endorsements for your homeowner’s policy are Water Back-Up and Code Upgrades.  These are two common endorsements that you typically want on your policy.  On the other hand, an endorsement that you may want to steer clear of is an Actual Cash Value endorsement, unless there is a very specific reason for you having it.  Contact Gilmartin Insurance to help you navigate through the confusion of which endorsements are right for you.
  4. Comparing – When you’re shopping for insurance, you may decide to get a few quotes from different companies and compare them. There are some things to keep in mind though.  Make sure that you are comparing apples to apples, and not apples to oranges.  You may find that one company is hundreds of dollars cheaper than what you’re currently paying, which sounds great!  But make sure it’s not at the expense of losing important coverages.  It’s often best to go to an insurance broker, who has access to a wide variety of companies and can do the comparisons for you.   Gilmartin Insurance Agency is your premier broker and would love to help make sure you’re getting the best coverage for the best possible price.

At Gilmartin Insurance, we can help take the guesswork out of insurance.  We work with a wide variety of carriers, allowing us to custom fit your coverage to best meet your needs while getting you the best premium for your policy.  Let us take the stress out of your insurance shopping experience.  Give Gilmartin Insurance Agency a call!