Thor Forums

[The Gritz Carlton]

Nothing wrong with buying a specialty policy outside of your agent. As stated, they are a huge convenience if you have a good one and can sure "cut through the mustard" quickly for you, but they are not a blanket for everything insurance. They either specialize in something or they don't. My agent's staff is himself, his wife and his mother. It's a great relationship and I can call him 24/7. But they only have a certain amount of authority. Writing the policy and administering the policy is what they do. When you have a claim they defer you directly to the insurance company adjusters for the duration. They are basically commissioned sales people and the need for agents has diminished over the years...kinda like the real estate industry. If you have a great agent, it's mostly because you've developed a long-term relationship of trust with them. Call the "big guys" direct for boats and RV's. You don't get a deeper discount by using an agent...just better service.