Selecting A Property And Casualty Insurance Agent

Selecting a property and casualty insurance agent is vital to be certain you can afford to repair or replace damaged or destroyed assets ranging from your home to other personal property such as boats. Additionally, correctly selecting a property and casualty insurance agent can help you have peace of mind that you are protected if someone is injured on your property.

Why Should you use a Property and Casualty Insurance Agent?

There are many advertisements for online or by-phone life insurance and auto insurance but far fewer such ads for property and casualty insurance on such assets as a home. A home is for most people the largest single investment. It therefore becomes critical to get the right coverage for your specific needs by selecting a property and casualty insurance agent who is reputable, knowledgeable, capable, competitive and available.

Three Places to Check Your Agent

The Internet greatly enhances your ability to make the right decision when selecting a property and casualty insurance agent. Consider the following sources of information.

  • CPCU Society – Though not required to be a member of the Chartered Property and Casualty Underwriters Society, more than 27,000 agents are. You can search the society's database ( for an agent near you who has passed their membership requirements.
  • State Insurance Department – Every state has an insurance department and most maintain an online database to research complaints about a specific company or agent and find resources to help evaluate companies or agents.
  • Better Business Bureau – When selecting a property and casualty insurance agent, most are locally based, even if they represent national or international companies. Local Better Business Bureau databases are a good place to check to see if any unresolved problems remain with a specific agent.

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