In our opinion, if you just maintain one product through one source, you don’t have insurance protection -- you have risk.
A sound insurance program requires one trusted insurer to write a broad-based group of products or the minimum products required to maintain complete insurance protection. This includes automobile, home, life, recreational vehicle, boat, cycle, umbrella and any other personal lines product that necessitates proper protection. Maintaining coverage through different insurance carriers or distribution channels creates exposure and protection issues wherein most errors or gaps in coverage occur.
It is important to note that by having one carrier who underwrites all potential causes of loss, adequacy, uniformity and consistency can be monitored and measured from one source, offering maximum clarity and efficiency. This usually also offers the consumer higher discounts.