you purchase insurance, we feel there are many factors and variables to
consider. We also realize many people feel insurance is a necessary
"evil," only because there are few, if any, alternatives. And many
states' insurance coverages are mandated by law, such as automobile and
workers compensation coverage.
insurance may be looked at as a "necessity" and in many ways as a
commodity like milk, butter, and gasoline, there are many factors which
separate companies and the agencies who market the products and
Please consider the following as a checklist the next time you think
about an insurance purchase; because not all products and services are
plain and equal as some companies would like you to believe.
1. What Is The Financial Stability of the Company and Agency?
Carriage House has been in operation for over 90 years and we represent companies rated A- or better (According to A.M. Best Company).
2. Matching Your Needs and Wants to the Appropriate Solution
We represent numerous carriers to match your needs from auto and home,
to business insurance. We do not offer "cookie cutter" solutions to
your unique situation(s). Not any one company can be all things to all
people. That is why we represent many companies with differing
insurance philosophies to meet your needs.
3. Claim Service You Can Depend Upon
What good is an insurance policy if the company lets you down when it
is needed the most? The companies we work with offer good claim
service, and our agency has draft authority with several companies, so
many of your claim needs can be settled with a check the same day.
4. Accessibility To Your Insurance Agency
With our E-mail address, Web Page guestbook, toll free number,
facsimile machine, and office hours, we are accessible to communicate
with you 24 hours per day.
We have heard horror stories about agencies not returning phone calls
for weeks, or following up on written correspondence. We are committed
to telephone follow-up in a 24 hour period if you do not reach the
person you want to talk to the first time by phone.
5. Price of Product & Service
With the number of companies at our disposal, we can offer you
coverages at an affordable price. Like many competitors, we do not play
the "Low Ball" game one or two years, and then hit you with an increase
later. We offer our best coverage and recommendations the first time,