Did you ever wonder how every insurance company advertising on TV can claim to save their customers hundreds of dollars on their insurance? We have found that many times the price is cheaper because the coverages are incomplete and that the savings are just an illusion. Of course it is cheaper to buy inferior insurance.
ERM Insurance Brokers is an independent agency that writes home, auto, and all other forms of personal insurance with dozens of different insurance carriers. We are experts at evaluating your insurance needs and in finding the insurance company and policy that best fits your needs. If you need to reduce premiums we can help you select the right combination of coverages, limits, and deductibles that can reduce the cost but still provide the protection you need. We will take the time to help you make the best decision.
Insurance Packages & Discounts
Many times there are additional discounts available by placing more than one line of coverage with the same insurance company. By shopping each policy separately you may be missing out on an even better opportunity to save. Let us help you figure it out.
Dealing with an insurance company claims department can be a trying experience and it pays to have an advocate on your side. We understand the coverages, exclusions and claims process. We will make sure you are treated fairly.
Annual Insurance Coverage Reviews
Circumstances change and what may have been the right decision previously may not be now. In addition, insurance companies change rates frequently and the one you are with may no longer be the best choice. We keep all your information in our computer system and can re-quote different carriers and coverages at any time. We recommend a review every year to determine if any changes should be made in your insurance program and will contact you every year to offer our assistance.