Choosing the Right Home Owners Insurance

​As a consumer, you are stuck with making the difficult decision to choose an Independent Insurance Agent vs. a Captive Insurance Agent when it comes to your insurance needs. You may find yourself asking "What's the difference?"

Independent Insurance agents have relationships with many different companies, therefore they are able to provide diverse coverage options, cheaper premiums, and a customized personal experience.

Captive Insurance agents represent one specific company and are limited to one price, one product, and corporate guidelines. Often times this results in less personable customer service.

As an independent agent, my clients typically see a 15-20% reduced rate vs captive agents. In addition, they usually save more in time because we save them hours of time spent shopping with multiple companies. 

Therefore, when making the important decision of who your agent will be, be sure to find the agent who has the best product, service, and price for your needs. In the end, you will be far less stressed knowing that you have suitable coverage if a loss does occur!

​For a side by side comparison of Independent vs Captive Insurance agents, check out the infographic below.  

What questions do you have about picking the right home owners insurance?  Let us know below!

Terry Mercer
Founder/Agent of Carolina Insurance Alliance
Follow Terry on Facebook at:  www.facebook.com/carolinainsuranceallliance or Email Terry at terry@carolinainsurancealliance.com