If you are in the process of purchasing a new property, especially if it will be purchased with a mortgage, you’ll want to get the quoting process started when you feel ready to make an offer. This allows us to work with you and your mortgage company to be sure the coverage provided will meet your needs as well as the requirements of the lender or bank if needed. Then, as the closing date approaches, our team will work with you (and the lender) to be sure everything aligns time-wise and that the policy is bound and in effect at closing.
If you are shopping for a policy on a property on which you already have insurance, the best window to shop is generally 30-60 days before your next policy renewal date for 1 to 4 unit, non-commercial policies. For any policies in the commercial realm, including business policies, those including coverage for larger unit-count properties or complexes, most umbrella policies, etc. the best time to shop is 60-90 days before your next policy renewal date. This gives our team ample time to search the markets for the best rates, present your quotes to you, and then refine them with you so that they are ready for binding and issuance as your current policy expires to provide a smooth transition with no coverage gaps.
If you like your current coverage and/or it ends up being the best fit for you after we conduct a quote search, but you are still looking for a new insurance agent, we can help with that as well! Our dedicated Zibo agents may be able to offer you a Broker of Record change, where your insurance company (insurer), policy, and coverages all stay the same, but your agent (your first point of contact for any claims, changes, issues, or advice) changes to a dedicated Zibo agent. Should this be the best option for you, we’ll guide you through this process, and then Zibo’s agents will be your insurance support system once the change is completed.
Start your quote here: https://app.zibo.co/insurance