Ø We know Vermont. We live here too. We know Vermont laws, Vermont weather and we know Vermonters. We know that Vermonters are independent, like us and do not like to be told what they “should” buy for insurance or anything else. We know what “Mud Season” is and what a “winter truck” is. We know that dirt roads are normal as are volunteer fire departments. We inform you of your options, offer our expert advice and then let you make the decision as to what you want for coverage.
Ø Insurance is complicated. Whether you’re talking about VT Homeowners insurance, VT auto insurance or VT business insurance. ACV vs. Replacement Cost, coverage for an LLC or a C corporation, Broad Form Vs. Special Form, as the saying goes, the “Devil is in the Details”. We can explain these details to you and guide you as to what best suits you. You don’t trust your health to a TV drug salesman. You go to a Doctor. See an expert for your insurance too. See an independent agent.
Ø Service. Want to pay your bill in cash on your lunch hour, no problem. Want to know what you owe this month? Call us. Confused about coverage details? We’ll explain. Need a Canada Card? We’ll print one for you. Got an audit that you don’t understand? Let us help you. Need a certificate faxed out right away? Done. At Farm Country Insurance there are no phone trees, no buttons to push and no hassles. In short, we, as your Vermont independent agent are here to help you.
Ø Claims. We’re on your side. Most companies now want the insured to contact them to report a claim. The thinking is that you know more about what happened than the agent does and the process can be expedited that way. We agree, but we are there to support you too. We’ll supply you with your policy number; claims contact and coverage information. We’ll explain any unfamiliar terms, assist with finding a remediation company, and follow up to be sure you are satisfied with the claims process. If you’re unhappy with how your claim is handled, we will “go to bat” for you with the company. In short, our work is not done once the policy is sold.
Ø Shopping. We routinely re-quote policies. As your circumstances change your insurance needs change too and we look at your policies to find the best fit for you. Not all companies want all risks and they price their policies accordingly. Also, some companies specialize in particular types of insurance, some are better at claims, some are more secure, some emphasize price. We work hard to fit the right company and insured together always striving to find the best coverage for the best price.
Ø Community. An independent agent like Farm Country Insurance is a part of your community. We support the local Little League, Kiwanis Club, Relay for Life, sports teams, County Fair and many more. When was the last time you saw a big direct writing company help out in your Vermont community?
Price. We’ve all heard about the theoretical 15 minutes, 15% savings, but we, an independent St Johnsbury, VT agent, have saved many people money that were previously covered by the Lizard. Give us the same 15 minutes to show you what kind of price and coverage options are available. We have seen many people switch to one of the big TV advertisers only to come back to us when they were disappointed in the service, price or claims response they received. Cartoon lizards and funny ladies in aprons are fun to watch on TV, but when important decisions need to be made, you should not look to a cartoon for advice. Look to an expert. Look to Farm Country Insurance, an independent insurance agent.