Independent insurance agency Sample agency
Home, auto, business and life cover, explained before you buy
We're an independent agency, so we can quote your cover with several insurance companies and show you how the policies differ. You deal with the same person from the first quote to a claim.
- Quotes from more than one insurance company
- A review before every renewal
- Help from us when you make a claim
| Insurer | Per year | Deductible | Worth knowing |
|---|---|---|---|
| Company A | $1,412 | $1,000 | Water backup included |
| Company B | $1,455 | $1,000 | Replacement cost on belongings |
| Company C | $1,368 | $2,500 | Water backup not included |
Agent's note: C is the lowest price, but you'd pay the first $2,500 of any claim. B costs a little more and replaces belongings at today's prices.
What we can insure for you
Most clients bring us more than one policy. With your home and car at the same agency, both renewals get checked together and you call the same number for either.
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Home and renters
For the house you own, the condo you live in or the apartment you rent.
- The building and your belongings
- Liability if someone is hurt at your place
- Somewhere to stay while repairs are done
- Flood cover, which is a separate policy
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Auto
Cars, trucks and the drivers in your household, including a new teen driver.
- Liability for damage or injury you cause
- Collision and comprehensive for your own car
- Uninsured and underinsured drivers
- Towing and a rental car while yours is fixed
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Business
Shops, trades, offices and restaurants with up to a few dozen staff.
- General liability and property
- Commercial auto for work vehicles
- Workers' compensation
- Professional liability for advice-based work
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Life
Cover that pays your family a set amount if you die while the policy is in force.
- Term life for a set number of years
- Whole life that lasts your lifetime
- Cover sized to a mortgage or to income
- A review when your family changes
We also quote:Umbrella liabilityBoats and watercraftLandlord policiesMotorcycles and RVs
Why use an independent agent?
An independent agency is appointed with several insurance companies, so we can put the same request to each of them and compare what comes back.
One request, several quotes
You tell us what you need once. We quote it with the companies that write that kind of cover in your area.
The differences explained
Two policies at a similar price can pay out very differently. We point out deductibles, limits and what's left out.
A check before each renewal
If your renewal price jumps, we can re-quote it elsewhere and move the policy if that suits you better.
Someone on your side at claim time
We help you report a claim and follow up with the insurer if things go quiet.
How a quote works, from first call to policy
There's no charge for a quote and no obligation to buy.
Tell us what you need
Use the form below or call us. A first conversation takes about fifteen minutes.
We ask the insurers
We send your details to the companies that fit and collect their prices and terms.
We go through the options
By phone, video or at the office, with each policy's deductibles and gaps side by side.
You choose, we set it up
We arrange the start date, cancel your old policy if needed and email your documents and ID cards.
What to have ready
Having these to hand makes the first call shorter and the quotes more accurate. Not sure about something? We can find most of it together.
Home
- The address, roughly when the home was built and its size
- The age of the roof and of the heating, plumbing and wiring, if you know them
- Your current policy's declarations page (the summary page)
- Any claims in the last five years
Auto
- Driver's licence details for everyone who drives the cars
- Each car's year, make, model or VIN
- Your current policy's declarations page
- Any accidents or tickets in the last five years
Business
- What the business does and where it works
- Yearly revenue and payroll, roughly
- How many staff and work vehicles you have
- Your current policies and their renewal dates
Life
- Date of birth and whether you use tobacco
- Roughly how much cover you have in mind, and for how long
- Any cover you already have through work
- Who you would name as beneficiaries
Claims help
Had a loss? Here's what to do
Your insurance company handles the claim, and we stay with you while it does. Call us during office hours and we'll help you report it and tell you what happens next.
If anyone is hurt or in danger, call 911 first. Out of hours, use the claims number on your policy or ID card.
(555) 014-2270Make things safe
Stop further damage if you can do it safely: turn off the water, cover a broken window, move the car off the road.
Take photos and notes
Photograph the damage before anything is cleaned up or thrown away. Note the date, time and anyone involved.
Report it
Call us or the insurer's claims line. Have your policy number ready and keep receipts for emergency repairs.
We follow up
We keep in touch with the adjuster and let you know if the insurer needs anything else from you.
Who you'll talk to
A small office, so the person who quotes your policy is the person you call later.
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Dana Whitaker
Principal agent
Ask about: Home and business cover
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Marcus Bell
Agent
Ask about: Auto cover and first-time buyers
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Priya Raman
Account manager
Ask about: Policy changes, renewals and claims help
Illustrated sample profiles Names and portraits are illustrations created for this concept site. A live site would show each agent's licence number.
Common questions
Does it cost more to buy through an agent?
Usually not. Agents are paid a commission by the insurance company, and it is part of the premium whether you buy direct or through us. Ask us and we'll tell you how we're paid on your policy.
Which insurance companies do you work with?
A live agency site lists the companies it is appointed with here. This concept site doesn't name any.
Can you look over the policy I already have?
Yes. Send us the declarations page and we'll go through what it covers, what it leaves out and whether the limits still fit.
What happens when my policy renews?
We look at the renewal price before it's due. If it has gone up a lot, we can quote it with other companies and talk you through the options.
Can I make changes in the middle of a policy?
Yes. Call or email us to add a driver, change a car, move house or raise a limit, and we'll send you the updated documents.
Do you help with claims?
Yes. The insurance company handles the claim itself, but we help you report it, tell you what to expect and follow up if it stalls.
Tell us what you'd like to insure
Pick the cover you're interested in and how you'd like us to get in touch. This is a demo form, so nothing is sent. Concept
- Office
- 18 Harbor Lane, Suite 2 Sample address
- Hours
- Mon – Fri, 8:30 am – 5:00 pm
- Phone
- (555) 014-2270