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Why Do I Need an Independent Insurance Agent?

Traditionally, insurance companies did not sell to the general public. However, over the years some companies have started to offer insurance policies directly to the consumer. Now there are two ways to purchase insurance: direct with one company or through an insurance agent.

There are two types of insurance agents; Captive and Independent. Captive agents lock you into just one insurance company. Independent Agents represent many different insurance companies offering you a choice.

minimally decorated condo interior with white couch

What is Condo Insurance?

Condo insurance provides coverage for your personal belongings and liability, as well as additions, alterations and improvements made to your condo unit.

Your condo or homeowners association (HOA) requires you carry liability insurance and coverage for the “walls in” portion of the unit that you own.

man walking over the gap on rope

What Is Gap Insurance?

Guaranteed Auto Protection (GAP) insurance is an added premium based on the difference between what you owe on a car and the actual value of it. Gap insurance is mainly targeted toward new car owners who are beginning to pay off their auto loans and need extra protection in the event of an accident. Find out if it’s what you need…