Is It Luck — or the Right Coverage? Why Working with an Insurance Agent Matters

By: Cate Harrigan 

March often brings thoughts of luck — four-leaf clovers, fortunate breaks, and good timing. But when it comes to insurance, the right protection shouldn’t be left to chance. It should come from thoughtful decisions and guidance tailored to your unique needs. Being new to the insurance industry, I’ve spent my first months listening closely to our clients’ experiences. One common theme I hear is that many initially chose online insurers or the lowest-priced policies, only to later discover that the coverage didn’t fully meet their needs.

Online platforms offer speed, convenience, and often very competitive pricing. For many, that quick savings feels like a lucky find. However, lower premiums can sometimes mean certain protections you assumed were included are not. Standardized policies may overlook endorsements, limits, or liability protections that are important based on your specific risks and exposures.

While we may not always be able to match the lowest online price, that’s often because our focus is on helping ensure you’re properly covered — not just minimally insured. Our goal is to help you understand what your policy truly protects, so there are fewer surprises when it matters most.

Added benefits of working with an established agent include:
- Personalized guidance that reflects their real-life risks and priorities
- Coverage clarity so they understand what is — and isn’t — included
- Claim support from a real person who helps explain next steps in some of the most stressful moments
- Practical assistance such as mailing forms, helping clarify billing concerns, or coordinating with financial institutions when appropriate
- Ongoing communication that keeps their coverage aligned with life change(s)

At Kathrens Insurance, we strive to go the extra mile to make insurance easier to navigate. While there are practical limits to what any agency can do, having a knowledgeable, local advocate can save time, reduce stress, and provide reassurance that you’re not facing important decisions alone.

Online providers serve an important role by offering accessibility and quick comparisons. But if you prefer guidance, personalized protection, and support beyond a screen, working with a local agent can provide confidence that goes beyond luck.

​This March, instead of relying on chance, consider the peace of mind that comes from coverage designed with you in mind.