Every insurance agency claims they want to help you protect your family from financial losses. All carriers and agents talk the same talk about catastrophes, chaos, loss, accidents, etc. But not all customers are the same - everyone has different property, needs, and attitudes toward buying insurance. What sets First Mid Insurance Group (First Mid) apart from the rest is how they act as advocates for their customers, understand their specific needs, connect them with the best insurance carriers, and customize solutions. First Mid doesn't use a cookie-cutter approach like everyone else. They get to know their customers first, then meet their insurance needs in a way that is ideal for the customer. Some customers want to bind simple coverage fast over the Internet - First Mid can do that. Other customers need to spend time with an agent to explain their exact family needs - First Mid can do that, too.

Everyone has heard about Auto and Homeowners Insurance Jennifer Albin, Head of Retail Division at First Mid Insurance Group, talks about these common policies and how First Mid works with customers who have individual, unique risks.

How does First Mid approach Auto and Homeowners Insurance, while managing changes that may affect a customer's coverage?

First Mid Insurance Group has been around over 120 years, but we consistently evolve with the changes in our society. With everything from texting and driving issues to children and seniors being preyed on by suspicious online scammers, we start first with trying to understand what the risk is. Sometimes people don't even understand what their concerns are, but we talk to them about how we can help. For example, do you know if you're putting one of these new metal roofs on your house right now that many insurance carriers will limit the type of repairs you can get paid for, such as cosmetic damage from things like hail? That's why working with an agency like ours is important. We can work with most, if not all, insurance carriers that are available to our customers, where they reside. We have also seen it all and can explain the differences between the insurance companies. It's not apples to apples, and that's why we first talk about coverage and what's not covered before we ever discuss costs. Most of the time, if you're buying cheap insurance, you're getting what you pay for.

What do these policies cover and what are some specific benefits to each?

Automobile Insurance provides coverage for property damage to your vehicle, liability insurance that protects your legal responsibility to others for bodily injury or property of others, and medical benefits to cover the cost of resulting injuries to individuals within your vehicle. We recently had an incident in which one of our customers hit a pedestrian. Even though it was not the fault of our customer, the driver, it will likely result in a multi-million-dollar lawsuit. We advise our customers, so they have the right coverage in place when terrible events like this occur. Then, we work as their counselors and advocates, getting them through the process so they can rest easy and not worry about things like having to file bankruptcy over a simple car accident.

Homeowners Insurance provides coverage for damage to a residence's interior and exterior, can provide coverage for loss or theft of personal property, and provides coverage for personal liability for harm of others. Beyond that, we are there for our customers. For example, we had a tornado in Central Illinois late last year. Our agents were present the very next morning, making sure the insurance adjusters were doing their jobs and ensuring our customers' best interests were the focus.

Can these policies be customized to different people's needs?

Absolutely. That's what we pride ourselves on - figuring out the ideal coverage for each customer based on their needs, not the needs of the insurance company.

What sets First Mid apart from the competition as the premier choice for Auto and Homeowners Insurance?

Each member of our team is educated in insurance. They are focused on educating our clients about their potential risks, finding the product coverage to best protect their assets, and reducing anxiety and stress when bad things happen. Our team achieves a consistent level of service excellence standards in daily education and risk transfer while building lasting relationships with our clients. We are proud that many of our customers are friends and loyal advocates, and we treat them accordingly.

We also pride ourselves on creating convenience to save our customers time and avoid stress. We offer an easy online quote tool for Auto, Homeowners, and Renter's Insurance, and we can offer any level of high-touch, personalized service for complicated needs. Many of our insured customers have our mobile phone numbers and can connect with us day or night, either virtually or directly as needed.

What truly sets First Mid Insurance Group apart from the competition, however, is the incredible resources we have thanks to our relationship with First Mid Bank & Trust. This means our agents have ready access to numerous financial services including the banking, wealth management, ag lending, commercial lending, and farm management ensuring an unparalleled slate of services compared to independent agencies. Additionally, First Mid Insurance Group works with 10 times more carriers than most independent agencies, guaranteeing more expertise and better loss control.

Does First Mid provide a full scope of insurance coverages?

In addition to our retail team that specializes in personal Automobile and Homeowners Insurance, we are a multi-line/multi-state agency with the ability to service every aspect of a client's needs including personal, life, business, health, Senior Solutions (Medicare), and employee benefits. First Mid Insurance Group has the experienced staff to truly assist in every stage of life. We are always happy to offer a no-cost, no-obligation second opinion and full risk review and analysis of current policies or risk structures. We are never too busy to help a new or potential customers, even if we discover they are in a good place with their current coverage.

Ready to protect what matters in your life? The insurance experts at First Mid are here to help! Contact us at (866) 234-6428, or start your online quote with us today.

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