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Insurance Basics That Make a Difference | Guiding You Forward
Insurance basics don’t always feel so basic. Get some clarity on the fundamentals you need to know.
Insurance can be a tricky subject to master—not necessarily because it’s overly complicated but because it can be confusing when you’re trying to understand what your policy covers and if you have enough. That’s when it’s important to seek the advice of insurance gurus like Dennis Freire.
Dennis is the CEO of Mountain America Insurance Services, and we are so happy to have him in the podcast lounge.
Watch the video and learn:
- How Mountain America Insurance Services is different from individual carriers.
- What property insurance-to-value is and why it’s so important.
- What types of insurance are available.
In the spirit of clarification, Dennis explains the difference between insurance carriers, independent insurance agents and Mountain America Insurance Services. He details the sometimes overlooked benefit of offering multiple products in one place to fit the varied risk profiles of consumers.
When it comes to homeowners insurance, things have changed considerably in the wake of the pandemic. Insurance-to-value is so important because property values have increased substantially (and subsequently decreased a little) so, as Dennis explains, you have to make sure your insurance covers the current replacement cost of your home. He also points out the difference between replacement cost vs. market value vs. assessed value.
Dennis also describes the different types of insurance Mountain America Insurance Services offers. From personal to business insurance, and term life insurance too, there is something for everyone. By the way, did you know you don’t have to be a Mountain America member to take advantage of our insurance services?
Watch the full video above to get all the expert knowledge Dennis provides, and then hop online for a free quote. You’ll be happy you did!
Insurance products are not deposits, not an obligation of and not guaranteed by Mountain America Credit Union. Insurance products are not protected by the NCUA, may be subject to risk and, in the case of life insurance, may go down in value. Any insurance required as a condition of an extension of credit need not be purchased from the credit union and may be purchased from an agent or insurance company of the member's choice. Insurance products are not exclusive to Mountain America Credit Union members. Business conducted with Mountain America Insurance Services, LLC is separate and distinct from any business conducted with the credit union. Mountain America Insurance Services, LLC is a subsidiary of Mountain America Credit Union.
