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Home Insurance Policy Influences: An Interview with Bob Garrison of Insurance Connection USA

By Bob Garrison

Tell us a little bit about your company and its foundation.

Insurance Connection USA was founded in 2004 with the goal of helping people find the best insurance coverage for the lowest price. The company began by assisting families and businesses with health insurance and employee benefits, and over the years has expanded into a full-service, multi-line agency. Our specialists assist clients with property and casualty insurance, life insurance, health and employee benefits, and Medicare products. Insurance Connection USA offices serve clients throughout the states of Texas,New Mexico, Colorado, Oklahoma and Washington. At the very core, we are in the business of taking care of our clients through the different stages of their lives. But, to us, it's just as important to take that principle and apply it to our everyday routines within our communities. This is why Insurance Connection USA staff members are dedicated to serving and supporting community-minded organizations including Catholic Charities and The United Way, as well as smaller, local charities.

Our mission is to provide the best coverage?tailored to your specific needs?for the most affordable rate. We strive to exceed the expectations of our clients with service and support they can count on because we want to be their insurance agency for life. For something as important as insurance, there's no substitute for the personal service we are committed to providing every day, and as your needs change, you can count on us to be here for you.

Is there a generalized formula that is used to determine home value and thus home insurance? If so, what is this formula in an easy-to-understand way for readers?

The basic formula is what will it cost to rebuild your home in case of a total loss, this number is calculated based on the size of the home and finish required to build it back with the same level of custom work. So one size does not fit all. That is why it is important for people to consult with an independent agent.

What are five aspects that affect the cost of home insurance and please explain?

The size of the home and the area, what are the building costs in that city.

Is there any additional information you wish to share on the topic of influences on home insurance policy?

All homeowners policies are different, an independent agent can review the various policies and help the homeowner choose the best coverage for their individual needs.

What are some of the services your company provides?

We take pride in our professional and experienced staff provide our clients with expertise in specific insurance markets. Our agents are trained and licensed in insurance but we have individual agents that specialize in the following:

  • Medicare products and senior health insurance
  • Classic car insurance programs
  • High-value homeowners insurance
  • Individual health insurance with certified ACA health specialists
  • Business group health insurance and employee benefits
  • Business property and liability insurance

What's the best way for people to get in contact with you and your company?

Call 505.717.3479 or visit our web site at

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