These Are 6 Excellent Reasons to Have an Independent Insurance Agent

Having an insurance agent is just a part of modern life.

But having a faceless insurance agent at some distance corporate agency and working with someone local are two VERY different things. Knowing your agent in a face-to-face way can dramatically change your experience for the better. Here’s how:

1) You Know Who You’re Talking To

When you contact a corporate insurance agency, you don’t necessarily know who you’re speaking to. Often, you’ll be talking to some anonymous person in a call center.

But contact your local independent insurance agent and it’s a much different story. This is someone you know, someone who knows you, and someone you’ll have an established relationship with.


2) You Can Talk Face-to-Face

When choosing between working over the phone with some faceless corporation and talking to your local independent agent, there is no contest. You can call us anytime, or even stop in and visit our offices to ask your questions. No big corporation can boast that!

3) Independent Agents Make House Calls

Making life easier for their clients is part of what makes independent insurance agents special. Unlike the person at that distant call center, in some circumstances your local agent can come to your home to work with you. That kind of personal attention is just not something the big national and international agencies can provide.

4) You Can Get Customized Insurance Policies

When you want to insure unique items like jewelry, musical instruments, and other irreplaceable goods, do you want to deal with a big bureaucracy that doesn’t even know who you are? Easy question to answer!

That’s when having a local agent makes a big difference. They can work with you one-on-one, with personal service designed around your unique needs. That’s an experience the big guys can’t provide.

5)  They Know The Local Professionals

Because your local agent actually LIVES in your area, when you’ve had an accident or damage to your property, they can recommend local repairmen, contractors and repair shops.

Think you’ll get that from corporate agents? If you do, you’ll be referred to some chain they’ve partnered with, with no real local knowledge of whether or not the contractor is reputable.


6) They Get You Good Treatment from Claims Adjusters

One of the biggest differences between corporate agents and independent agents is that independent agents are advocates for you, not the stockholders.

After you file a claim, your independent agent will actually review your case to ensure you are treated fairly by the adjuster. Their focus is not on some corporate headquarters, it’s on YOU.

With all this in mind, it’s clear why working with a local independent agent is the way to go.