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Personal insurance policyholders need. Auto, life, homeowners and flood insurance, as well as umbrella policies that cover a multitude of risks, are just some of the areas where agents can provide valuable insights to policyholders. It also provides an important reason to stay in regular contact with customers. (Photo: Jirsak/Shutterstock)

Insurance has been like an umbrella, covering us and keeping us dry even during the rain. We are in the minority of policyholders as we have experienced more insurance claims events than most, including two homeowner property claims, a hail storm, a water softener leak, and five vehicle claims, three accidents, and three vehicle theft or vandalism claims. Perhaps we simply experienced our allocated percentage of claims events in this past 25-year period and will go another 35 or so years without another claim? Let’s hope so, but the odds are against it.

One of the things I learned as a 20-year insurance industry veteran and insurance geek was that I found the vast majority of situations I had to bring to my agent’s attention as opposed to my agent educating me on how to best manage these risks.

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