As an independent insurance agent I have one very distinct advantage over my “captive” competitors: I have a wide variety of choices I can offer my clients when it comes to finding the best insurance.
What’s a captive agent?
A “captive” agent is an insurance agent that works exclusively for one company, such as State Farm and [...]

A flood can happen quickly and cause a tremendous amount of damage. Recovering from a flood can be very costly, especially when you find out too late that the damage caused by a flood is not covered by your homeowners policy?! That is right, a standard homeowners policy does not provide coverage for flood damage. [...]

Simple question, right? Unfortunately, no. When you receive a speeding ticket your premium may increase… Then again, maybe it won’t. When your receive a speeding citation, your insurance company will commonly review your driving history, the length of time you have been insured, and how fast your were going before determining if you will pay [...]