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Did you know there are different types of home insurance agents?

By Brandon Farmer

Real Estate Agent License # 258579

January 12, 2010 12:03 AM

Different Types of Agents
Some people believe that it doesn't really matter where they buy their insurance. But, this misconception could be costing them money, service and protection. Buying insurance is not like buying bread or milk. Insurance is an important safety net for your family, your home, your car or your business. Do not treat the purchase lightly.

There is a difference in where you purchase your insurance protection. Many people do not realize there are three sources for insurance:

Captive Agents, who can sell you the insurance of only one company.
Telephone Representatives or Direct Writers, who can offer you the insurance of one company, and can only do so over the telephone.
Independent Insurance Agents, who represent an average of eight insurance companies, and research with these firms to find you the best combination of price, coverage and service.

Your Independent Insurance Agent:

Is a licensed professional with strong customer and community ties.
Gives you excellent service and competitive prices because your agent can access the insurance coverage from more than one company.
Unlike other agents, is not beholden to any one company. Thus, you do not need to change agencies as your insurance and service needs change.
Assists you when you have a claim.
Is your consultant, working with you as you determine your needs.
Offers you a choice of insurance plans and programs.
Is a value hunter who looks after your pocketbook in finding the best combination of price, coverage and service.
Offers one-stop shopping for a full range of insurance products - home, renters, auto, business, life and health.
Can periodically review your coverage to keep up with your changing insurance needs.
Treats you like a person, not just another number.
Customer satisfaction is the key to an independent agent's livelihood. Therefore, serving you is your independent agent's most-important concern.