Britton and Britton Insurance
Call Now! Austin: 512-469-0693
San Antonio: 210-493-4057
  • Home
  • About Us
    • Locations
      • San Antonio
      • Austin
      • Central Texas
    • Moving to Austin?
  • Types of Insurance
    • Auto Insurance
    • Business Insurance
    • Homeowners Insurance
    • Liability Insurance
    • Renters Insurance
    • Boat, RV, Motorcycle and Classic Car Insurance
    • Life & Health
    • Restaurant Insurance
    • Landlord Insurance
  • Blog
  • Contact Us
    • Manage Your Policy
    • Contact Your Carrier
  • Get Your Quote
Menu back  

Why Do I Need an Independent Insurance Agent?

two men shaking hands after coming to a business agreement

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.

Britton and Britton Insurance is independent. They work with both the direct writers, and the insurance companies only accessible through the independent agent network.

Did you know? An independent agent has the fiduciary responsibility to be your advocate. That means your agent places your interests above their own, and over the interest of the insurance company. They work for you.

Does it cost more?

No. Britton and Britton Insurance does not charge a fee for their services. At your request their team compares insurance quotes, reviews benefits, searches for discounts, listens to your concerns, and helps you build your insurance bundle.

Coverages vary from one company to another, and there are different liability limits, deductibles, or policy options you can choose. It’s your agent’s profession to answer your questions, compare different insurance policies, and offer solutions for your unique requests.

When you buy insurance direct online you may be taking on a higher level of risk than you realize. A computer cannot respond to your questions or offer more than one solution. When you contact a call center direct to purchase your insurance you may not even be speaking with someone in Texas.

Your independent insurance agent is trained and licensed in the Texas insurance field. The State of Texas requires agents to complete mandatory continuing education classes to keep up with changes in the industry.

Independent agents live in your neighborhood and are familiar with risks in Texas such as real estate, traffic and natural weather disasters like hurricane or flood. Your local agent also supports charities close to their hearts and shops at other homegrown businesses. You are supporting your hometown whenever you shop in your community.

About the author

Riley Britton

Related posts
Are wildfires typically covered by homeowners’ insurance?
May 8, 2024
Man climbing ladder on side of house
March is National Ladder Safety Month
March 22, 2021
merry christmas
Merry Christmas!
December 24, 2019
Happy Thanksgiving!
November 26, 2019
Do You Need Insurance for a House Party?
September 30, 2019
Are Hurricanes Covered by Homeowners Insurance?
July 16, 2019
Recent Posts
  • Do I Really Need Liquor Liability Insurance in Texas?
  • Do I need Life Insurance? Why Securing Life Insurance Now is a Smart Financial Move – Clone
  • What is my home insured value?
  • 7 Tips for Identifying Asphalt Shingle Damage
  • Why Are My Home Insurance Quotes So Different?

Get Your Free Quote!

  • Britton & Britton wants to help you prepare by getting you a free online quote for your insurance. When you’re ready, talk to a Britton & Britton agent to learn how we can best keep you and yours protected.
  • Start Your Quote
  • Start Your Quote
  • Start Your Quote
  • Start Your Quote
  • Start Your Quote
  • Start Your Quote
  • Start Your Quote
  • Start Your Quote
  • Start Your Quote
  • Start Your Quote
  • Start Your Quote
  • Start Your Quote
  • Start Your Quote
  • Start Your Quote
  • Start Your Quote
  • Start Your Quote
  • Start Your Quote
  • Start Your Quote
  • Disclaimer: By submitting this form you agree to the collection of your personal data pursuant to our privacy policy.

Navigation:
  • Home
  • About Us
  • Types of Insurance
  • 24/7 Support
  • Blog
  • Get Your Quote
  • Locations
Contact Us in Austin
Britton and Britton Insurance
2028 E. Ben White Blvd
Ste. 240-4057
Austin, TX 78741
512-469-0693
*Available by appointment only
Contact Us In San Antonio
Britton and Britton Insurance
9901 W Interstate 10
Ste. 800
San Antonio, TX 78230
210-493-4057
*Available by appointment only
Recent Blog Posts
  • Do I Really Need Liquor Liability Insurance in Texas?

    May 14, 2025
  • Do I need Life Insurance? Why Securing Life Insurance Now is a Smart Financial Move – Clone

    March 11, 2025
  • What is my home insured value?

    February 8, 2025
  • 7 Tips for Identifying Asphalt Shingle Damage

    October 8, 2024
  • Why Are My Home Insurance Quotes So Different?

    September 16, 2024

trusted choice logo Britton and Britton Insurance Services, Inc BBB Business Review

Descriptions of insurance products and packages are meant to offer general ideas only, are necessarily brief, and are subject to policy provisions, limits, deductibles, exclusions and conditions that can only be expressed in the policy itself. For a broader explanation of coverages, please consult one of our licensed agents. Coverages and programs vary by company. In the event of a conflict, the terms and conditions of the policy prevail.


austin seo
© Copyright 2016 | Privacy Policy | Sitemap