Home and auto insurance are two of the most advertised products you will find on television today. In fact, they may be second only to personal injury commercials that focus on attacking those very insurance companies. The insurance industry is investing Billions of dollars in advertising to make you believe insurance is a commodity and all policies will take care of you in the same manner. This drives most people to pick up the phone, dial a call center or go online and see if they can get a great deal to save 15% or more!

What most people don’t realize, is many times the most important aspect of the insurance equation does not come from the premium cost or policy limits. When a loss occurs, who your insurance advisor is and what type of company they partnered you with become far more important. Don’t wait until after a loss to learn if you are truly protected.