If you aren’t heavily involved in the insurance industry on a regular basis, which most people aren’t, then chances are that you will have some questions about what sets Mappus apart from other agencies. Beyond our customer service, convenient location, renowned reputation in the Charleston area, we are an independent insurance agency. Simply, this means that we have contracts with multiple companies rather than just one like many of the big name companies that you see. So, what does this mean for you?
When searching for homeowner’s, auto, umbrella, and valuable items policies, you obviously want to get as many options as you can so that you can make sure you are getting the best policy possible. With our agency, we do the shopping for you. If you’re looking for homeowner’s insurance, we have over 15 different companies we can quote with. Not every company will be the best fit for your property but we will provide quotes from the companies that will be. Once those quotes come in, we narrow them down further to provide you with the best possible quotes in terms of premium, deductible, endorsements, etc.
As an independent insurance agency, we work for YOU rather than the insurance company. We are your advocate in the market to help you get the best coverage for the best premium possible. Not only are we your advocate during the shopping process, but we will go to bat for you in the event of a claim.
Because we’re not bound to one company, we have the flexibility to do what is going to be best for you. What does that mean exactly? Let’s say that your home is insured with Company A. Unfortunately, Company A has experienced a higher than expected loss ratio in 2015 and has scheduled a significant rate increase for 2016. We will go ahead and quote your insurance with Company B, C, and D to try to mitigate the increase in premiums before your policy comes up for renewal.