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Can I change carriers at any time?    Absolutely, you never have to wait for a renewal date of a current policy.  If you can save money now, why wait.  

Is it easy to change carriers?  Yes, in most cases we take care of almost everything, you might have a phone call or email to your current carrier to cancel that policy and another call to your mortgagee to authorize them to pay the new policy.  

What do I need to shop my policy for better rates.  It's very simple, a 5-10 minute phone call or even a quick email to prackers@libertyiakc.com can get the ball rolling on your own schedule.  It's best to be aware of your current policy coverage, pricing, and limits to be able to compare apples to apples.  In most cases, its best to have a copy of your most recent policy summary or declarations pages.  

How is an independent agent different from a captive agent like State Farm or Allstate?  Agents are mostly the same but agencies are not created equally.  A captive agent can typically only offer 1 rate from one source, themselves.  Independent agents don't work for any one carrier so shop your rates to their many options to get the bets rate available for your scenario.  Calling an independent agent is like spending the time calling Allstate and State Farm and Farmers and Shelter, and American Family and then trying to keep them all straight and compare them yourself.  An independent agent does all the legwork and gives you only their best 1 or 2 options to consider.  

How do I know what coverages I need or what is best?  That's simple, call or email today and we can give you a 2nd opinion on your existing policy for pitfalls and areas of concern.  Most people don't really understand their coverage gaps until after a claim when it's too late.  Call 913-206-2123 or prackers@libertyiakc.com today.