By: Ariel Rivera, MBA, CPIA, CIC – March 24, 2020
As a consumer buying homeowners, renters, or auto insurance, you have 3 options:
- Shop around for yourself.
- Work with a captive agent (Geico, State Farm, etc.).
- Work with an independent insurance agency and let them shop for you.
Which one is better? You guessed it right: working with an independent insurance agency. You see, the captive agent is a professional that ONLY works for ONE insurance provider. Now, what if that carrier doesn’t offer coverage for YOUR actual needs? What if you have two dogs and that carrier excludes animal liability on your homeowners insurance? Yeap, it’s crazy right. But the worst part is that it happens more than you think.
So, the question is: what are the benefits of working with an independent insurance agency? Simple, independent agencies have more freedom to offer plans that better fit YOU and YOUR needs, not the other way around. Being independent means that we get to work with different insurance carriers. We study and learn their underwriting guidelines to make sure we insure you with whoever fits best for you.
The interesting part about independent agencies, is that they have been around since the late 1800’s and we are businesses just like any other. We are active active members of our communities and schools, and we make sure we give our 110% for you. Our objective is to always make sure you are happy with the “insurance experience” and have the peace of mind you deserve. Are we perfect? Definitely not… but we sure try.
So, when your renewals come up, call us! We love to help!