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  • Writer's pictureRolland & Associates

6 Reasons You Should Go With an Independent Insurance Agent

Imagine you just got a new home and need homeowners insurance to protect your home and property. Maybe you just bought a new automobile and want to purchase auto insurance. The first thing that comes to your mind is how to go about it.

There are two ways to buy your insurance policy. You can either buy from a captive agent or an independent agent. Before explaining the advantages of going with an independent insurance agency in Ohio, let's examine the terms captive and independent agents.

Captive and independent insurance agents explained

Captive agents represent a single provider and sell only the insurance policies of that insurer.

On the other hand, independent insurance agents are not beholden to a single insurer. They represent several insurance companies, enabling them to offer you several options.

Now, let's look at the benefits of working with an independent insurance agent.

1. More insurance options

Independent insurance agents represent several insurance companies, giving you access to more options that suit your needs. This is a far cry from what you get working with a captive agent, who offers you the policies of a single insurer, giving you no choice but to go with one insurer.

2. Saves more money

Insurance products differ in price and scope of coverage. Because independent insurance agents work with multiple insurance companies, they'll be able to offer you different policies at varying costs and coverage options. Your insurance agent will help you compare the policies and guide you in choosing the best one in terms of price and coverage.

3. Claims assistance

Filing claims can be very overwhelming. But when you work with a local independent insurance agency in Ohio, you'll be able to get the necessary assistance you need. An independent agent will quickly respond to your calls and help file your claims. They'll assist in filling out the claims form and help you through the claims process.

4. Faster claims approval

Some claims take months before they are resolved, while some only take a couple of days. Working with an Ohio independent insurance agency means you have dedicated agents on your side who'll smoothen the process and make sure your claim is quickly approved.

5. They help review your coverage

Say you got married or gave birth to a new baby after you bought life insurance, you'll need to make changes to your policy. Maybe you just remodeled your home; your coverages need to be adjusted to cover the latest addition. An independent insurance agent can review your coverage before you renew and recommend an upgrade or changes that meet the current realities.

6. Trusted, personalized service you can rely on

With an independent insurance agent, you benefit from working with someone you've met, know, and trust. An independent insurance agent knows you and your needs and will give you the individualized attention that ensures you are protected.

It'll also be easy to make changes or buy a new policy with an independent insurance agent. For example, you'll be able to easily switch from renter's insurance to homeowners' insurance if you buy a new home.

Because your independent insurance agency in Ohio sells many coverages, you won't have to go through the hassle of looking for an insurance provider for a business owner's policy, commercial property insurance, or other insurance you need. You can buy from an agent you already know and trust!

Rolland & Associates is an independent insurance agency in Ohio. We offer personal and business coverages through agents that understand the value of excellent customer service, claim support, and personalized service. Reach out to us today and let's know how we can help!



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