At Martin Insurance Agency, we know you have many choices for purchasing your insurance products. We also know that many of these sources stress price and often ignore the specific needs that may be required to protect your life’s unique situations. Our focus is on providing the products and services that fit YOUR unique needs, not those of the insurance company. To that end, we offer the following Bill of Rights to serve as a means of demonstrating our commitment to you.

Each person, family and business is unique and has specific insurance needs. While some companies offer what may appear to be the “best deal”, they often write policies that don’t offer adequate protection or coverage. They do this by making the client choose from a limited menu of choices on a web site or via the telephone. Since most clients aren’t well versed in the language of the typical insurance contract, they don’t realize what shortcomings may be built into the policy. We believe that you deserve to have an advisor help you review your needs and tailor a policy or group of policies that will meet your specific requirements. Only with a personal, face to face review can you be completely assured that the insurance company has taken the necessary time to become familiar with you as a person and will be looking out for your best interests.

We believe that every client relationship should be a win-win situation. By meeting with you face to face, we gain a much greater understanding of what’s important to you and can help identify those circumstances in your life that require special attention and may be outside the “normal” or “cookie cutter” policy profiles. At times this may mean that we will have to employ more than one insurance provider, rather than trying to squeeze you into an inadequate policy that’s “close enough”. More importantly, if we’re unable to find the coverage that meets your needs, we’d rather do the right thing and refer you to an appropriate contact than put you in the wrong policy just to gain another client.

Insurance policies are legal contracts. By their very nature they are filled with complex language that can often overwhelm the average consumer. In many cases the client doesn’t realize that within those pages and pages of fine print are statements that limit what is covered, often excluding what many believe are “normal” things. They just cross their fingers and “hope” that they are covered, or worse, they assume that all policies are the same and “everything” is covered. Sadly these folks are mistaken. We will help you understand what is and isn’t covered by the policies you buy. We will help you determine when and where additional coverage is needed, and when some provisions can be dropped if they are not necessary.

Should you ever need to place a claim, it’s likely due to a stressful and/or unexpected event in your life. At times like this, we promise to be there with you and help in every way possible. You deserve to have an agent who will look out for your best interests and take a personal stake in making sure you don’t overlook anything that is to your benefit. Often times the format in which information is presented to the insurance company can make a difference in the way a claim is handled, and how quickly payment is made. We know how to communicate with the claims department most effectively. If you require the assistance of contractors or repair facilities, we can provide sources of service that have proven to be honest and reliable. Our goal is to help you settle your claim while minimizing the disruption to your life.

Each client has their own level of comfort when it comes to understanding their personal insurance needs. Some are only interested in the highlights, while others want more detail. Whatever your level of interest is, we are ready to help educate you. Our experienced staff has the ability to answer any question you may have about your particular needs. If we don’t have the solution at hand, we will do whatever it takes to provide the answers you need. In addition, we have created this website to provide you with helpful information 24 hours a day, 7 days a week. Your insurance agent should add value to your life. You buy insurance to help protect the value of what you’ve worked hard in life to acquire. Sadly, not all insurance providers or professionals recognize this. To these agents or companies you’re nothing more than another line on a sales report. To us, you’re a person we’d like to know individually and help in a personal way. Our goal is to earn your trust, be your insurance advisor, and a friend you can depend on. We want to be someone you would comfortably tell your friends about when they need help with their insurance coverage needs.

In the process of helping our clients, we learn a great deal about their personal lives. This personal information is very valuable and deserves to be protected. We commit to our clients to maintain tight security regarding their information. None of their information is shared with anyone not directly involved in the insurance policy in effect.