Many people have insurance, but that doesn’t always mean they’re properly covered.

At Membassy Insurance, we believe the difference is how a policy is structured — not just where it’s purchased. Our role is to help clients understand their coverage, identify gaps, and make sure policies are designed with real-life situations in mind.

Not at all.

In many cases, clients who work with Membassy Insurance end up with equal or stronger coverage than before — simply structured more intentionally. We focus on aligning coverage, limits, and endorsements so policies work when they’re actually needed.

Real-Life Scenario:
A client came to us after a renewal increase. Their policy looked “cheap,” but key protections were missing. After reviewing their coverage, we adjusted the structure so it better reflected their lifestyle — without unnecessary extras or surprises later.

Membassy Insurance is compensated through commissions paid by insurance companies — the same way most agencies are paid.

What’s different is that we work with multiple insurance providers, which allows us to compare options and structure policies based on your needs, not a single company’s limitations.

No.

There are no additional fees for working with Membassy Insurance. We are directly appointed with the insurance companies we represent, which means there are no broker markups or hidden costs.

Our goal is simple: help you understand your coverage and make confident decisions — without paying extra to do so.

There can be — especially when things change.

Many national brands operate through both direct and independent channels. The difference is flexibility. When rates change or coverage needs evolve, exclusive providers often have limited options.

With Membassy Insurance, we can review alternatives across multiple companies and help you explore options — without starting over or shopping blindly.

Real-Life Scenario:
A long-time client experienced a sudden premium increase. Instead of accepting it, we reviewed available options and helped them transition to a better-aligned policy without sacrificing protection.

Membassy Insurance remains your main point of contact for questions, policy changes, and documentation.

Claims are handled directly by the insurance company’s claims department, but we encourage clients to reach out to us first whenever possible. We help explain next steps, what to expect, and whether filing a claim makes sense based on the situation.

Real-Life Scenario:
A client contacted us after minor damage and wasn’t sure whether filing a claim was the right move. After reviewing the deductible and long-term impact, they were able to make an informed decision — avoiding unnecessary complications.