Whether you’re a homeowner, landlord, or renter, insurance is a crucial part of your living situation. It’s important to find a policy that covers your needs, and finding the right insurance agent is essential. The following are some important qualities to look for in the right agent for you.

Qualities Every Insurance Agent Should Have

1. Experience

Terms and conditions of insurance change periodically and from one company to another. Insurance coverages are unique to your home, location, and tenancy. You need a knowledgeable home insurance agent that’s up-to-date with those changes as well as any laws and regulations that factor into how you’re covered. Focus on agents who have an extensive background in the industry and are affiliated with reputable insurance companies.

2. Availability

When you’re considering coverages, questions will inevitably arise. A local agent should be easy to reach and available to help with your insurance needs or when emergencies arise. Ask about their hours of operation including after-hours service, availability, and responsiveness when you first meet.

3. Honesty

You should have a good understanding of your home insurance policy. Seek out an agent who has a reputation in your community for honesty, integrity, and transparency. The right one will layout options for you, explain them, and help you make the right choice.

4. Dedicated to a Relationship

Good agents understand the importance of relationship and will get to know more about you first. They’ll assess your needs and offer personalized home insurance options based on what they’ve learned.

5. Options

Your agent should be committed to finding the right plan for you. To do so, they need to be familiar with different insurance companies and options available to meet your needs. Homeowners insurance, renters insurance, and landlord insurance are all different. Having a plan tailored to your specific living situation will ensure the best coverage. Look for an agent who offers and explains a variety of coverage plans available to you.

Since 1913, Farmers Mutual of Tennessee has been providing quality insurance coverage at an affordable price to residents throughout Tennessee. One of FMT’s independent agents will be happy to find the right coverage for your home, mobile home, rental dwelling or farm and at a price to fit your budget. Learn more online or call (800) 824-9555 to speak with an FMT representative.