Choosing the right kind of insurance agent can make a big difference in securing the best combination of price and value to fit your needs. Whether you are looking for personal insurance or business insurance buying or shopping for it can be unwelcome and annoying. It must not be taken lightly since it is there to protect your most valuable assets – you, your home, cars, business and future. The worst time to find out you don’t have the right policy and coverage is when you need them the most, AFTER you’ve suffered a loss.

Essentially there are two types of insurance agents. One is the “captive agent” such as those who work for Nationwide or State Farm. A captive agent represents a single company and can only provide you with information or access to that company’s products. The other is an independent insurance agent. These agents have no exclusive relationship with any one company. With an independent agent, you get choices. They represent many insurance companies and work on your behalf to find the best possible rate and coverage to fit your specific needs.

With an independent agent, in addition to having choices, you have the advantage of a licensed professional who will:

• Evaluate and assess your individual risks and requirements
• Identify and tailor policies that are right for you
• Offer products to meet all of your insurance needs, including auto insurance, homeowners insurance, business insurance, life insurance and flood
• Assist you when you have a claim
• Treat you like a person, and provide excellent, hands-on service

An independent agent will help you understand what your policy actually covers, how much of a deductible to carry and how much coverage you need. When it comes to protecting your family, your assets and your future, you want to do it right the first time.