Is comprehensive home insurance cheaper through a broker?

Just one Multi-risk Home Insurance Quote to start a process that requires little effort on your part but a great deal from the insurance professional.

Having a mediator ensures access to more competitive and tailored offers based on your profile and the property's characteristics. This precision translates into considerable savings.

In the event of a dispute, you also have a single point of contact. These professionals defend their clients with solid arguments and well-founded reasoning because they understand the specifics of the insurance industry.

Because, while it is true that insurance policies are designed for consumers, the contractual terms and conditions in the proposals seem to overlook the customers—such is the technical language.

Discover the main benefits you’ll enjoy when you decide to work with a mediator.

The Role of Intermediaries in the Underwriting of Multi-Risk Home Insurance

Insurance brokers—whether individual or collective—serve as the link between consumers and insurance companies. They may operate independently of insurers, as is the case with EXS.

We're talking about professionals who are responsible for acquiring clients and who have strong negotiating power, but their work goes beyond that. It often includes services such as:

• Managing your clients' insurance;
• Providing information and advice to customers;
• Negotiating the best policy terms;
• Entering into contracts on behalf of the insurance company.

In addition to this support, they help customers identify the risks they want to cover and assist them with the insurance transfer process

Benefits of Getting a Quote for Multi-Risk Home Insurance Through an Insurance Broker

1. More competitive prices

A broker’s bargaining power is incomparable to that of a consumer. These professionals are familiar with the wide range of offerings from various insurance companies and have exclusive agreements and partnerships with certain companies.

That is why, as a rule, offers made through mediators are more advantageous.

In the case of EXS, we were able to ensure that our Customers can save up to 50% on comprehensive home insurance Because we have an exclusive network and have been working with 26 partner insurance companies for several years.

Many people also feel uncomfortable when it comes to asking for a discount or negotiating the premium amount. We completely understand. We’ll take care of that for you, with the utmost professionalism and technical expertise.

2. More coverage and fewer exclusions

You need to be knowledgeable in this field to understand all the clauses in the contracts.

Mediators help their clients decipher and make sense of the technical (yet everyday) language used by professionals in the field.

As a result, the customer can opt out of coverage that does not suit the characteristics of their property and include other essential coverage, given, for example, the location of the home.

3. Personalized support

Automated response systems are designed to screen calls and route requests to the right person, but sometimes they can be frustrating.

When we’re feeling overwhelmed, we need to talk to someone. After all, we’re talking about a home—one of our most valuable assets. The same is true when you’re in the process of reviewing a few offers and have questions.

As an EXS customer, you have access to professional, personalized technical advice from our network of expert consultants.

Our professionals:

• They provide technical consulting;
• They analyze the needs of individual and business clients;
• They negotiate guarantees, capital, deductibles, fees, and premiums;
• They assist with the settlement of insurance claims;
• They provide ongoing assistance.

Our top priority is to protect your assets and ensure your family’s well-being. We pride ourselves on our impartiality and make a point of clearly explaining all the coverage provided by our comprehensive home insurance policy.

4. You don't pay for the service

This question always comes up whenever mediation is discussed. Who pays for this service?

With EXS, you can rest assured that, as a customer, you won’t have to pay anything out of pocket. We provide full assistance—both before and after you purchase your insurance—at no cost to you.

5. Broker specializing in this type of home insurance

Insurance companies tend to specialize in a certain type of insurance—life insurance or non-life insurance.

Furthermore, insurance professionals may only work in the line of business for which they are licensed.

When it comes to comprehensive home insurance, EXS takes the top spot. We are Pioneers in the home life insurance product and market leaders since 2014.

Impartiality is one of the values that guides our work. That is why we make it clear that:

• We always operate in a manner that is impartial and independent of insurance companies;
• We are certified by the ISP for the Life and Non-Life insurance sectors;
• Members of the Honor Club, Ambassador status, the Aces Club, and Lead Mediator for various insurance companies;
• We work with preferred consultants at professional organizations and corporate groups;

In addition to looking out for our clients’ interests, we have a strong relationship with our 26 partners. This is the only way we can work sustainably with a wide range of companies.

Lower the cost of your Multi-Risk Home Insurance without wasting too much time

If you don't have the patience or time to deal with red tape, exhaustive research, and comparisons, but you know it's important to make the right choice, it's best to work with a mediator.

Take a look at your current contract to see how it compares. You're probably paying too much.

Start by requesting a quote for comprehensive home insurance. It’s free and there’s no obligation. You have nothing to lose; on the contrary, you’ll benefit from a second opinion.