Insurance is essential for financial security, but many Kenyans make costly mistakes when purchasing policies. Here are five common insurance pitfalls and how a professional insurance broker in Kenya can help you avoid them.

1. Choosing the Cheapest Policy Instead of the Best Coverage

Many people focus on the lowest premium without considering the coverage limits and exclusions. A broker helps you balance affordability with comprehensive protection.

2. Not Reading the Fine Print

Insurance policies contain detailed terms that many policyholders overlook. A broker explains these clauses, ensuring you understand what is covered and what isn’t.

3. Underinsuring Assets

Whether it’s home, car, or business insurance, underestimating the value of your assets can leave you vulnerable. A broker accurately assesses your needs to prevent underinsurance.

4. Failing to Update Policies

Life changes such as marriage, property purchases, or business growth require policy adjustments. Brokers ensure your coverage stays up to date.

5. Struggling with Claims Processing

Many policyholders don’t know how to handle claims efficiently, leading to delays or denied claims. A broker advocates for you, ensuring a smooth claims process.

Why Work with Fred Black Insurance Brokers?

At Fred Black Insurance Brokers, we help clients avoid these mistakes by providing expert guidance, tailored insurance solutions, and ongoing support. Contact us today and let us simplify insurance for you.