10 Insurance Realities Busy Professionals Need to Know

What Agents Don’t Say Out Loud

• Your Record = Your Credit Score — Every limit, claim, and payment is tracked.

• Cheap Quotes Are Manufactured — Cut coverages, raise deductibles, and call it “savings.”

• Switching Too Often Costs You — You’ll never unlock loyalty discounts.

• Small Claims Drain Big Discounts — Skip nuisance claims.

• Standard Limits Are Outdated — Old liability levels don’t match today’s risks.

• Cookie-Cutter Policies Miss Real Life — Cabins, Airbnbs, side hustles? Ignored unless tailored.

• Meeting Lender Requirements Isn’t Enough — That protects them, not you.

• Claims Reputation Matters More Than Premium — Wrong carrier = stress, delays, denials.

• Agents Stop Explaining If You Don’t Ask — Push for clarity or you won’t get it.

• Default Options Are Weak — State minimums = training wheels, not protection.

Quick Win -Ask Your Agent

• What does my record say to insurers?

• What was cut to make this quote cheaper?

• Am I set up for clean-history discounts?

• Do I need specialized coverage for my lifestyle?

• If this were your household, which carrier would you choose?

Why I Care
I work with professionals who have complex needs — cabins, rentals, high-value cars, side hustles. Too many end up with cookie-cutter coverage. My mission: bring clarity so you can make smart choices.

Bottom Line The more you know, the less you get played — and the better your protection gets.