Click to Call
Get Directions
When you are thinking about buying home insurance for your Laurel, Maryland home, there are a number of different ways you can approach the task. Home insurance is offered through several different channels. You can buy it from captive agents, through an independent agent, or through a direct seller.
The best way to buy a home insurance for one person may not always be the best way to buy home insurance for another person. When you buy from direct sellers, you may realize some savings because there is no middleman or agent that needs to be paid. The disadvantage is that you may not have the same level of customer service as you would have with an independent agent or a captive agent.
Captive agents are those that only represent one insurance company. An example would be your local Laurel Maryland State Farm office. Captive agents can sell a variety of different types of insurance like auto, home and life, but you are buying from the same insurance company. Sometimes that is good if you buy several different policies because you may qualify for a multi-policy discount. Also, captive agents provide good customer service and have the backing of a large and financially stable insurance company.
An independent agent offers many benefits that may make it your best choice for your home and other insurance needs. An independent agent represents a number of different home insurers and can shop around, get quotes, and find you the lowest premium. An independent agent can also switch you from one insurer to another if one insurance company suddenly offers a lower rate than another.
When you are looking for a home policy, you should approach the selection process methodically. Consider what is most important to you. Do you only want to deal with a big-name insurer? Is price your only concern? Would you rather have an independent agent who will give you the best customer service and work hard to get you the best rates and coverage, year in and year out? It is your choice.