How to get insurance without risks and avoid extra expenses

Dampness on the bathroom ceiling is a common problem that is usually resolved without too much trouble. A call to the insurance company is often enough to get the ball rolling and address the issue immediately. However, the matter can become more complicated if the leak affects safety, third parties, the structure of the home, or the building itself. This is one of the times when an insurance broker becomes essential, freeing the insured from paperwork and phone calls, guiding them through the entire process, keeping them informed, and helping them resolve any questions that may arise.

But while this work is very important in itself, the reality is that these professionals are much more than just managers and support staff at the time of a claim. A good insurance broker is a trusted strategist who diagnoses their clients' risks, compares the market, analyzes their needs, and advises them on policy selection to ensure they are as protected as possible in every aspect. They also review policies annually and rebalance them if necessary, and above all, they save time and headaches. They are someone who puts themselves in the shoes of the person or company they advise and supports them in their decisions. This role becomes even more important in volatile times because it guarantees peace of mind and security.

Closeness and professionalism

A good intermediary always seeks to improve the situation and protection of their clients and, according to a recent study prepared by Gain Dynamics for MAPFRE, does not necessarily increase the final price paid by policyholders, but allows them to access more comprehensive products, such as full-risk car insurance or life and funeral policies, at more affordable prices.

The high levels of trust are also reflected in the figures. According to this report, 'The Value of Mediation', prepared by MAPFRE, 51% of insurance contracts in Spain are carried out through intermediary channels, and 7 out of 10 people who seek information through this channel end up taking out a policy, demonstrating the efficiency of this method and the importance many customers place on having someone who provides them with personal, one-on-one service.

In addition to support and trust, clients also appreciate clear communication, because financial products are increasingly complex and it's not always easy to explain them in simple terms. In this sense, intermediaries also play a vital role in ensuring clients make informed and sensible choices. Ultimately, they tailor insurance to each client's specific and real-life circumstances, avoiding two common and costly mistakes: underinsurance (not having enough coverage) and overinsurance (paying more for unnecessary or duplicate coverage across different policies).

This often happens because people frequently buy insurance based on price, without considering the actual coverage or service, which is what truly matters. In other cases, the contract or insured amounts aren't updated when something changes in life or business. Thus, while good insurance protects people in key areas such as health, family, home, retirement, mobility, and even savings, inadequate insurance can leave unexpected gaps and exclusions that later prove costly.

That's why the work of organizations like MAPFRE is so important. MAPFRE has a large team of experts who offer professional and personalized advice in more than 3,100 offices throughout Spain, even in the smallest towns. This network continues to expand to reach more people and ensure that insurance fulfills the social function for which it was created: to provide peace of mind and stability.