Insurance, whether you are covering your house, car, toys, health, or business, is all about living smart. Even the most careful, health-conscious person may suffer setbacks and loss.
- Your car could slide on ice-covered pavement.
- A tornado could rip shingles off your roof.
- You might twist your ankle playing basketball with your buddies.
Insurance doesn’t spare you accidents or damage, but can greatly ease the financial impact of these kinds of events. Having insurance means you can focus on moving forward and not be stalled by financial distress.
How Does Insurance Work?
The basic principle of insurance is simple—you pay a smaller amount of money periodically in exchange for knowing you will not suffer a financial hardship should the unexpected happen. The periodic payments are called premiums. You are reimbursed for covered financial losses, less a deductible, up to the policy limit. The premium amount, type of losses covered, deductible, and amount of reimbursement depend on the policy chosen.
Insurance works because of the strength in numbers. A large number of insureds pay premiums, the pool of premiums is invested, and those who suffer loss are reimbursed from the pool. The concept is similar to saving money for a rainy day, except the pool of savings is much larger because you are saving along with others.
Will you benefit from buying insurance? Likely, yes. Few go through life trouble free, so careful people buy insurance to protect their finances and give them peace of mind.
Understanding the general principles underlying insurance isn’t difficult. The tough part is comprehending the details. That’s where an experienced agent comes in.
Why Get a Quote From Andreotti Insurance Agency?
Andreotti Insurance Agency offers customers a choice. Policies address your insurance needs in several arenas:
- RV, Camper, Trailer
Many customers have more than one policy, which often makes them eligible for “umbrella coverage” that offers even more protection.
Once you determine what type of insurance you need, Andreotti Insurance Agency can further advise you on what kinds of policy provisions are offered in the marketplace. As an independent agency, Andreotti Insurance works with several reputable insurance companies. Not all insurance policies are created alike. A “basic” auto policy can differ from company to company. Insurance companies cater to different markets.
Frank Andreotti owns Andreotti Insurance Agency. He has been in the insurance business for nearly twenty years. He knows the local community, the kinds of risks you encounter, and how to insure them. He is the right person to help you find insurance, even if you’ve had previous trouble getting insured.
Contact Us for Advice and a Free Personal Insurance Quote
Count on Andreotti Insurance Agency for competitive quotes on insurance policies, followed by the service you want when you need it most. We are located at 6230 10th St N, Suite 430, Oakdale, MN 55128 and handle customers living and working in the greater Twin Cities metro and eastern Wisconsin. Call us at 651-739-9302.